A fire in my neighbors house damaged the vinyl siding on one side of my home. Who is responcable to replace my siding, and how much siding .

UPDATED: Mar 29, 2011

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UPDATED: Mar 29, 2011Fact Checked

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 29, 2011

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

UPDATED: Mar 29, 2011

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

UPDATED: Mar 29, 2011Fact Checked

Since the fire was at your neighbor’s home, the insurance company for your neighbor should pay for the damages to the siding.  It is possible that  your insurance company will pay for the damages and then subrogate against the other company.  However, if you decide to go that way, your deductible will apply until your company can get reimbursed. 

The amount of siding to be replaced is dependent upon whether the siding can be matched.  If it cannot be matched, then the insurance company will have to replace at least the entire side, and possibly the entire house. 

You should contact your neighbor’s insurance company and discuss the entire issue.  They should be willing to work quickly with you.  If not, talk to your insurance agent and see if you can file a claim with your insurance company.  However, the least expensive way for you is to work with the other insurance company.

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

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