Can someone file a lawsuit if a neighbor's dog pees on their carpet?

Answer 1

Americans can and do file lawsuits for just about everything.

Your homeowner insurance includes liability coverage, which protects you if you're found legally liable for bodily injury or property damage. If your dog causes property damage, then your policy would cover you.

I highly recommend making every attempt to handle this without filing a liability claim. Talk to your neighbor to see if they will allow you to replace the damaged portion of the carpet. Why do I recommend this? Because insurance companies do not like to see liability claims on your claims record. These claims are usually a sign of negligence or irresponsibility on the part of the insured, and companies do not want to insure someone with a higher than average potential to be sued. However if you have no other claims on your history and/or have been with your current carrier for a few years, and you plan on keeping this company, then you may want to consider just filing the claim.