I had a small fire at my property which caused slight damage to my neighbours garage, does my House ins have to respond to my neighbours damage or must they claim on there own policy
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UPDATED: Oct 4, 2017
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Insurance Question from NULL, NULL
Asked on 10/04/2017
I had a small fire at my property which caused slight damage to my neighbours garage, does my House ins have to respond to my neighbours damage or must they claim on there own policy Do my neighbours have to claim on there own policy for damage caused by a small fire at my property
Answer given on October 08, 2017
If you had a house fire and the fire or heat damaged the neighbor’s property, your insurance should pay for the damages to that house. You need to talk to the insurance adjuster and tell them about the damage to the neighbor’s property. If the adjuster declines to pay for the damages, your neighbor should file a claim with his insurance and they will review and pay for the damages,less his deductible and they will then subrogate for the damages from your insurance company.
If there is not enough damage to the neighbor’s home for his insurance to respond, then your neighbor can file a liability claim against your insurance company. It would then be settled in court and they would have to pay for the defense of the claim and any settlement offered.
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