Our house was damaged by fire heighbors house who is responsibletheir insurance or ours?

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Steve And Jen M

Our house was damaged by fire heighbors house who is responsibletheir insurance or ours?

sidin was damaged and it is going to rain tommorow. house covered with plastic. not sure what to expect. any advice would be helpful. we just want our house fixed soon. ba dexperince with a car wreck so we are a bit aprehensive.

MSAD

Depends on the cause of the neighbors fire. If the neighbor's negligence caused the fire - then their insurance will pay. If the neighbor was not negligent - then their policy will deny you.

The easy way to handle - file against your policy. If your company thinks they can recover from the neighbors company they will subrogate. If they get paid - they will collect what they paid + your deductible. They will forward your deductible to you once they get paid back.

Spock (rhp)

if you are in America, as I suspect, file a claim with your homeowner's insurance ASAP.

theory says that if the fire started in the neighbor's house, it is their responsibility, and your insurance stands behind you. So your insurance will work at fixing your damage and then try to collect from their insurance. [what happens if their policy has lapsed for some reason? this is your insurance's problem, not yours.]

usual deductible may apply and you may have to sue your neighbor to get it repaid.

bigj

call your insurance co. and tell thim what happend and they will work it out with the other insurance co. but go ahead and call the insurance so they can get things started for you.

mbrcatz

Unless they deliberately set fire to YOUR house, they are not responsible. And if they DID, their insurance won't cover it, as it's a deliberate act.

You need to file this under your OWN homeowners policy. They aren't responsible. Sorry.

Gambit

If you want your damages fixes ASAP file the claim with your insurer and let them worry about recovering damages from the other homeowner. If you don't then you will have to file a suit in court proving that your neighbour is responsible for your damages. Meanwhile your house will sit their unrepaired.

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