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