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Real Estate
Woman speaking on camera, unzipping dust barrier doors (right side). Fox45 News (WBFF)

This Baltimore renter says her unit remains ‘uninhabitable’ over a month after major flood damages 70 apartments — leaving some fighting their insurers to cover emergency housing

In mid‑June, a major water leak struck 414 Light Street, a 44‑story luxury apartment high-rise in Baltimore’s Inner Harbor neighborhood, flooding units as high as the 17th floor.

Nearly a month later, about 70 apartments remain under repair — walls and flooring torn out, fans running, sealed-off sections still drying.

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“Be very careful, guys,” one resident warned when bringing a Fox45 News (WBFF) team inside her unit, “Cause it’s a lot going on.”

The situation

The leak soaked through multiple floors and necessitated weeks of repairs. The resident, who asked not to be named, says she’s been displaced and without a home since June 12.

“I was hoping by this time, I would have my apartment back,” she said. “A lot of us are in the same club that none of us want to be a part of.”

Another renter, about 14 floors below, described her unit as stripped.

“Drywall has been removed … all the flooring has been removed in my entire apartment,” Sophia McCormick told the Fox45 team.

Exposed outlets, holes in ceilings and lingering moisture remain, posing hazards to her and her elderly dog.

That aside, she said her biggest concern is the lack of “meaningful communication” about ongoing repairs and the few housing solutions available, including no hotel accommodations, guest suite availability or empty apartments to move into.

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The executive vice-president of building owner Questar Properties told Fox45 News that residents are responsible for their own relocation costs via renters’ insurance, which is required.

However, McCormick reported her renter’s policy “doesn’t cover lodging,” and management doesn’t consider units officially “uninhabitable,” leaving tenants without alternatives.

When FOX45 asked what does constitute a unit as "uninhabitable," Questar Properties indicated there's no prescribed definition, as each impacted unit is unique.

“I would like to know what that would look like to qualify … I don’t have the ability to be here safely, and I’m concerned about my well-being,” the 17th floor resident said. She says she plans to take the issue to court over rent payments she feels she shouldn't have to pay.

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Questar Properties said they planned to finish in the next several weeks and update each resident in the "coming days."

On July 7, some residents reported getting a notice that the restoration process would begin on July 9 and last six days. An email from property owners said residents who chose to stay at a hotel during the repair work would be reimbursed for their stays.

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Luxury promises vs. harsh reality

414 Light Street is marketed as a luxury building with resort‑style amenities, high-end finishes and sweeping harbor views, “where effortless living is the everyday,” according to its website.

But, for McCormick, the current state is anything but the “easy living” she expected. She told Fox45 that she’s planning to move rather than live through an "open-ended" restoration.

This situation underscores a central issue in modern rentals, particularly in rapidly gentrifying areas: who’s accountable when a property becomes unliveable?

Federal and state tenant-landlord regulations generally require landlords to maintain livable conditions, but “uninhabitable” often isn’t clearly defined, leaving ambiguity for insurers and varying resulting impacts on renters' rights.

In this case, tenants like McCormick contend their apartments are unsafe and unlivable, yet received no formal relief or relocation. In situations where developers and property managers prioritize profit and perception, the reality is that structural integrity and occupant safety may get sidelined.

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With a writing and editing career spanning over 13 years, Emma creates and refines content across a broad spectrum of industries, including personal finance, lifestyle, travel, health & wellness, real estate, beauty & fitness and B2B/SaaS/tech. Her versatility comes through contributions to high-profile clients like Moneywise, Healthline, Narcity and Bob Vila, producing content that informs and engages, along with helping book authors tell their stories.

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