Accidental Damage Benefit Terms & Conditions

1. Eligibility

To use the Accidental Damage Benefit, all of the following must be true:

• You are an active resident with a signed lease for the property where the damage occurred.
• You were enrolled in the Resident Benefits Package both at the time of the incident and at the time the benefit is requested.
• The property is managed by Real Property Management Eclipse.
• You are current on rent and any charges due to Real Property Management Eclipse.

2. Benefit Limits

• Up to $250 for any one qualifying incident.
• Up to $250 per calendar quarter (January through March, April through June, July through September, October through December).
• Up to $1,000 during any consecutive 12-month period of enrollment.
• Unused amounts have no cash value, do not roll over, and cannot be transferred or applied to rent or any other charges.
• If the cost of the repair is more than $250, you are responsible for the balance.

3. What Is Covered

The benefit applies to sudden, accidental, and unintended physical damage to the interior of the rental property, caused by a specific identifiable event during your tenancy.

Examples of eligible damage include:

• Holes in drywall from an accidental impact
• Broken interior doors
• Cracked floor tile
• Chipped or cracked countertops
• Stains to carpet from a one-time accidental event

• Broken blinds
• Broken cabinet doors
• Accidental damage to sinks or fixtures

4. What Is Not Covered

The benefit does not apply to any of the following:

• Pet damage of any kind
• Intentional damage, misuse, abuse, negligence, or reckless conduct
• Normal wear and tear or deterioration
• Damage that occurs gradually or results from repeated conduct
• Failure to clean or maintain the property
• Smoking, vaping, marijuana, candle, incense, or soot damage
• Water damage resulting from failure to promptly report a leak, overflow, or plumbing problem

• Unauthorized guests or occupants
• Damage caused while violating the lease or the law
• Criminal activity
• Damage to personal belongings, vehicles, or a guest’s property
• Damage to common areas, HOA property, or landscaping
• Cleaning, maintenance, cost of supplies, or cosmetic upgrades
• Pre-existing damage
• Damage discovered or first reported after move-out

5. Your Responsibilities

• Submit a Maintenance Request through your tenant portal as soon as possible, and no later than 72 hours after you discover the damage.
• Do not repair, hire anyone, or authorize any work without written approval from Real Property Management Eclipse, except where immediate action is necessary to prevent additional property damage or to address an emergency.
• Allow Real Property Management Eclipse access to inspect the damage.

6. Claim Process

1. Report. Submit a Maintenance Request through your tenant portal within 72 hours, with a description of what happened.
2. Provide documentation. We may ask for clear photos of the damage, and for additional information or an inspection as needed.
3. Approval. We review the request and determine eligibility.
4. Repair. If approved, we determine the appropriate repair solution and schedule the work with a qualified vendor.
5. Benefit applied. The cost of the eligible repair must be paid upfront. Once the qualifying incident is confirmed, a credit of up to $250 will be applied to your tenant portal for the incident. The maximum benefit is $250.00 per quarter.

Repairs are completed by Real Property Management Eclipse approved vendors. You will not be reimbursed for repairs you arrange or complete without prior written authorization.

7. Important Terms

• Multiple damages resulting from the same event are treated as one incident.
• Approval of this benefit is not a determination or admission by Real Property Management Eclipse or the property owner regarding responsibility, liability, lease compliance, or the total amount of damages.
• This benefit does not apply to repairs that are the responsibility of the property owner or landlord under the lease or applicable law.
• This benefit does not reduce, replace, satisfy, or modify any security deposit requirement, security deposit alternative such as Obligo, or any of your obligations under the lease.
• We may request additional information and may deny a request if there is not enough information to establish that the damage resulted from a qualifying accidental event.
• Fraudulent, false, or materially misleading requests are strictly prohibited and may result in denial of the benefit and any additional action allowed by law or your lease.
• All tenant responsibilities outlined in your Lease Agreement remain in effect and are not covered by the Accidental Damage Benefit.

8. Time Limits

• Invoices or receipts for eligible repairs must be dated within 90 days of the incident.
• The benefit applies only to incidents that occur while you are an active resident and actively enrolled in the Resident Benefits Package.
• The benefit does not apply after move-out.

How It Works, Step by Step

1. An accident happens. Something happens accidentally and causes damage to the property.
2. You submit a Maintenance Request. Through your tenant portal, within 72 hours.
3. You provide photos and information. Clear photos and details about what happened. We may request more.
4. We review. We determine eligibility and the best repair solution.
5. We complete the repair. One of our approved vendors does the work.
6. The benefit is applied. A credit of up to $250 per quarter is applied to your tenant portal for the incident.

You remain responsible for any costs above $250 and for damage that is not eligible under these terms.

Frequently Asked Questions

Is the Accidental Damage Benefit insurance?

No. It is a limited resident benefit included in the Resident Benefits Package. It is not insurance, not a security deposit, not a deposit alternative, and not a waiver, and it does not replace renters insurance or any obligation you have under your lease.

How much does the Accidental Damage Benefit cover?

Up to $250 for any one qualifying incident, up to $250 per calendar quarter, and up to $1,000 during any consecutive 12-month period of enrollment.

What happens if the repair costs more than $250?

You are responsible for the balance above $250.

How quickly do I have to report accidental damage?

Submit a Maintenance Request through your tenant portal as soon as possible, and no later than 72 hours after you discover the damage.

Can I hire my own contractor and get reimbursed?

No. Repairs are completed by Real Property Management Eclipse approved vendors, and repairs you arrange or complete without prior written authorization are not reimbursed.

Is pet damage covered by the Accidental Damage Benefit?

No. Pet damage of any kind is excluded, along with intentional damage, normal wear and tear, damage that develops gradually, and smoke or soot damage.

Does the Accidental Damage Benefit apply after I move out?

No. The benefit applies only to incidents that occur while you are an active resident enrolled in the Resident Benefits Package, and damage discovered or first reported after move-out is excluded.

These Terms & Conditions may be updated from time to time. Effective September 22, 2026. The Accidental Damage Benefit is part of the Resident Benefits Package.