How should I pay for a neighboring Condos insurance deductible for damages caused by a water leak from my Condo.
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UPDATED: Sep 28, 2015
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Insurance Question from Dublin, PA
Asked on 09/28/2015
How should I pay for a neighboring Condos insurance deductible for damages caused by a water leak from my Condo. I own a second floor Condo. There was an incident where the kitchen drain pipe failed and water not only got all over my kitchen but also into the Condo unit below mine. I apologized to the downstairs resident and offered to cover her deductible. I haven't paid her yet. She has been making threats to sue me for pain and suffering. Her insurance has already paid for the repairs. I want to refund her insurance deductible, I just want some sort of receipt or proof that the money will settle the matter and she won't go after me for more money. Is there a way to do this properly?
Answer given on September 29, 2015
If you had a leak in your condo unit that caused damage to the other party, you may or may not be held liable. If you were not negligent in anyway as to the cause of the leak, then you are not responsible.If her insurance company has already paid her for the repairs, they may come to you for reimbursement for those repairs. If not, then they do not feel you were responsible for the damages.The other person who is threatening to sue for pain and suffering does not understand insurance. She did not suffer any pain or suffering for a water leak. If she does proceed with a lawsuit, you should contact your insurance company. They will defend you against any such suit, even if it is meritless. They can originally deny the claim, but if a lawsuit is filed, they must defend you.
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