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If it isn't covered by your insurance, then you have to pay for it yourself. Your neighbors are not responsible for the damage unless the fire was caused by neglegence and can be proven in court. It's unclear whether Nationwide is your insurance company or your neighbor's. If it's your, then you might ba able to file a claim through your neighbor's insurance. If not, you'll regretably have to sue the neighbor for the damages.

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Q: If your neighbor's garage burned down and part of your fence was also burned but Nationwide Insurance Company said they will not pay you anything how can you get this replaced?
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