Some Waldo Heights tenants learn insurance they were paying won't help them Share Updated: 7:51 PM CST Feb 2, 2021 Share Updated: 7:51 PM CST Feb 2, 2021 Hide Transcript Show Transcript WERE SURPRISED TO LEARN IT WON’T HELP THEM GET BACK ON THEIR FEET. >> THANK GOD WE SAY THIS. HALEY: IT IS THE LEASE THAT WAS SUPPOSED TO PROVIDE COMFORT TO HER DAUGHTER MARIA GONZALES AND ROOMMATE MIRANDA DAVIDSON WHO ARE ON THE MEND FROM INJURIES SUFFERED ESCAPING THE WALDO HEIGHTS APARTMENT FIRE. WHAT DID YOU LOSE IN THE FIRE? >> EVERYTHING. >> OK, HERE IT IS RIGHT HERE. HALEY: JACLYN OJEDA-GONZALES HOPED THEIR BELONGINGS WOULD BE EASILY REPLACED. >> LET ME SEE. HALEY: AFTERALL, APARTMENT MANAGEMENT EXPLAINED THEY WERE PAYING FOR INSURANCE. >> MIRANDA LOOKED AT ME AND I SAID SO THIS COVERS THEM SHOULD ANYTHING HAPPEN, AND SHE SAID YES. [SIRENS] HALEY: PROBLEM WAS IT DIDN’T COVER THEM. JUST THEIR LANDLORD. $10 A MONTH PLUS A TWO DOLLAR ADMIN FEE. THE LEASE SAYS IT’S GENERAL LIABILITY INSURANCE FOR THE PREMISES. JACLYN ADMITS THEY DIDN’T READ THE LEASE. >> -- MISSOURI’S LANDLORD TENANT LAW SAYS BEFORE YOU GET THE KEYS, IT IS SO IMPORTANT TO READ THE LEASE AND THEN ASK QUESTIONS AND SEEK LEGAL ADVICE IF YOU NEED IT. >> YOU TAKE A LOOK AT THAT PAPER WITH THE SMALL PRINT, MANY PAGES, AND DOES NOT INVITE YOU TO WANT TO READ IT. HALEY: ATTORNEY GINA CHIALA SAYS INSURANCE CLAUSES LIKE THE ONE AT WALDO HEIGHTS ARE BECOMING MORE COMMON IN LEASES. >> THEY’RE PASSING THE COST OF OPERATING ONTO THE TENANT 53 AND -- TENANT, AND I NOTICED HERE THERE WAS MAYBE SOME INCENTIVE FOR THE INSURANCE AGENT. HALEY: HER ADVICE? IF YOU’RE ARE PAYING FOR INSURANCE, ASK TO SEE THE POLICY SO YOU KNOW WHAT’S COVERED AND WHAT ISN’T. >> WE KNOW THESE LEASES ARE ONE-SIDED FOR THE MOST PART. HALEY: THIS MOTHER AND DAUGHTER TELL US IT’S IMPORTANT TO HAVE COVERAGE AND HOPE YOU NEVER USE IT. >> AND I FELT HIM, TOO. LIKE, GOD, HERE I THOUGHT WE ASKED ALL THE RIGHT QUESTIONS. HA