The Fat Controller
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you should ask him to pay. if he refuses then contact the police and consider making a claim through the small claims court |
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Angel1
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There will be a section in your policy under General Conditions or Claims Conditions and it will allow your insurer to effectively become you and claim the money back from your neighbour, more likely his insurance company so as not to damage your No Claims Discount. this is very common, usually in motor claims and is referred to as subrogation. Your insurer will pay for the damage providing you have accidental damage cover on your policy and then they will recover their payout from your neighbour or his insurer. If he is uninsured and they cannot recover it may go down as a claim against you and you could lose No Claims Discount. |
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Gilly
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sounds like a nice neighbour!.
Sadly if he's not insured then i think you'll have no other choice than to make a claim through your insurance but If i was you I would asses it first after all it depends on how bad the damage is it might be cheaper in the long run to just repair it your self or call in a builder and pay him!. After all we know insurance companies don't just pay up you'll have to wait weeks for a payment and not to mention your premiums will go up you probably better to ask the neighbour if he is happy for you to get the builder in and for him to pay for it!. |
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Casino Rob
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Strictly speaking, yes - you can ask your neighbour to pay for the damage. If he's any kind of neighbour then really he should have offered anyway.
You can of course claim for damage caused under your Buildings or Contents insurance policy (depending on what has been damaged).
Your Insurance Company will have the right to seek to recover their costs from the negligent neighbour - it's impossible to guess whether they'll do so without knowing the extent of the damage and costs involved.
You, of course, also have the right to seek to recover from your neighbour any 'uninsured losses' (ie. any policy excesss you may have deducted from your claim or anything not covered by your policy but damaged in the fire). |
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daisyw1980
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First thing you should do is get an estimate of all the damage. Second, if the estimate is much more than your deductible then file a claim. Any claims on your record will affect your future premiums, but if this is your first claim the increase will be small.
Good Luck |
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fifs_c
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ur neighbour should pay, even if only the excess on your insurance! |
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mbrcatz
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Your insurance company is responsible for paying the damage to your unit, less the deductible. They can then go after the other person's homeowners policy, through a process called subrogation.
However, if it's illegal to have/use fireworks in your particular area, the other person's policy won't cover their liability. Which doesn't matter, as he is not insured.
Yes, your policy should pay for the fire damage. But you will probably have to file a police report, and press charges. |
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Chillin-it
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Your insurance company will probably demand payment. Sorry that happened. |
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Jim G
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Just put in a claim for the whole thing to your Insurance company Buildings for the window and contents for the movable contents, dry cleaning etc. The form will ask you how the damage occurred be truthful. it the neighbour who will get a letter from the insurance company they will deal with him if they think they can recover there loss Not your problem. You have damage it was not your fault the only thing to worry about is if you have an ecess on the policy. If you have ask the neighbour to pay. and stop felling guilty. Thats his problem not yours |
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wingnut
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Why are you even looking at your insurance policy??
Your neighbor should pay full stop. If they haven't offered then you should report it to the police as criminal damage. |
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Gobshite666
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Nice shot that man.......10/10 |
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"Call me Dave"
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In mi cuntery hole tenament blok wood haf burn down, yu tink yu lucky |
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