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Your question does not give enough details of your damage. What EXACTLY happened? Water damage includes such things as water pipe breaks & leaks, appliance overflows (washer, A/C drain line), roof leaks, wind-driven rain entering around windows & flashings, surface ground water (flood, seepage).

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โˆ™ 2015-07-15 19:54:13
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Q: How do you fight your insurance for classifying a claim as a water claim when it was not caused by water damage and there was no pay out?
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Can your insurance company not honor your claim for damages caused by non permitted construction?

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Does homeowners insurance cover damage to your neighbor's property caused by tree roots from a tree on your property?

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If your neighbor is liable through negligence for causing fire damage to your property you could file a claim on the liability portion of your neighbors insurance policy. If he caused the fire intentionally then his insurance company would not pay for damages as criminal acts are not covered.


Does your home insurance cover damage if you claim for the same damage but with another insurance company before?

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Your niece drove into your garage door w her car and did 1k damage to the garage should your niece claim it on her auto policy or should you claim it on your home insurance?

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Does homeowners insurance cover fire damage caused by smoking?

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Can you file an insurance claim with no damage?

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Can you withdraw a claim from your home insurance?

Yes you can withdraw your claim, but once reported, the damage and the claim filing are still on record.


How do you proceed with insurance in a single car accident with no injuries no property damage just damage to my car?

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Before a claim can be allowed, a material damage claim must be admitted. There may be circumstances when the interruption results from damage on another insurance Policy - e.g. a supplier's etc. In this case, it is imperative that the wording is sufficient to react to 'any' material damage caused by an insured peril.


Can you make a claim on your homeowners insurance to cover water damage caused to a neighbor's walls by your live-in boyfriend who is not on the policy?

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Can reposession company file a claim with your car insurance company to fix preexisting damage?

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Does homeowner insurance cover damage to pool liner?

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Can you take back a claim once you submitted it to the insurance company?

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What should you do if your townhome neighbor's water leak damaged your wood floor?

Assuming you have insurance, you should first of all tell your insurance company about the damage. If you have insurance your insurance company should repair the damage for you (at no charge to you) and it is up to them to ask your neighbor to pay for the repairs.However, it is also important that you politely tell your neighbor about the damage (to ensure that the leak that caused it is fixed) and that you are going to ask your insurance to fix the damage.If you have to pay an excess on your insurance policy claim, you can ask your insurance company to recover this from the neighbor for you - if this is not possible to do you will have to pay this excess and may have to pursue your neighbor for it yourself.If you have no insurance, and the damage is definitely caused by your neighbor, you should politely ask him to repair the leak then ask him to pay for the damage to your floor caused by it. You may need some quotes for the work to show your neighbor. If he refuses to pay, your only recourse is to go to court to make him pay. Depending on the scale of the damage this may or may not be worthwhile. It is much easier if you have insurance!


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You will be liable for the difference.