[Don Joe]

So if I rent a lawnmower from you and while I have it the creek rises and it's washed out to sea, you'll be happy if I shrug my shoulders and say "hey that's the breaks" instead of replacing it?

[Salgak]

As I previously stated, it depends on the terms of the agreement. If you, as lessee, are charged as responsible for all but normal wear and tear, then you owe the lessor. If not otherwise stated, it's the lessors' job to insure their property. . . .