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Money Moral Dilemma: Should we pay for water damage caused by our machine?
Former_MSE_Nick
Posts: 463
Forumite
This week's MoneySaver who wants advice asks...
Our dishwasher malfunctioned and flooded the downstairs neighbour. Our insurance won't pay out as there was no negligence on our part. Should we pay out of our own pocket, pay her excess (even though this could affect her premiums), or leave it to her to sort out herself?
Our dishwasher malfunctioned and flooded the downstairs neighbour. Our insurance won't pay out as there was no negligence on our part. Should we pay out of our own pocket, pay her excess (even though this could affect her premiums), or leave it to her to sort out herself?
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Comments
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Not much of a dilemma. That's unlucky, but you're liable in my view as it was your machine that caused the damage, so you should pay. If I was her and you didn't pay I'd sue you for the cost of the damage.0
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This is why you should have accidental damage cover specific for flats. Yes, I think you are liable, your machine.0
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And the dilemma is ?0
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No you shouldn't pay. That's why the neighbour should have insurance. It would be different if it were your fault.Lost my soulmate so life is empty.
I can bear pain myself, he said softly, but I couldna bear yours. That would take more strength than I have -
Diana Gabaldon, Outlander0 -
Malfunctioned why, no maintenance , poor design , neighbour cut a hole the floor and machine fell through it ? If reason for malfunction was neglect/misuse etc then you pay, If its down to design etc then manufacture should pay (or insurers) If its neighbours fault they should pay….0
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Torry_Quine wrote: »No you shouldn't pay. That's why the neighbour should have insurance. It would be different if it were your fault.
Whose 'fault' is it then?0 -
I don't understand why your insurance company is not paying for the damage.Member #14 of SKI-ers club
Words, words, they're all we have to go by!.
(Pity they are mangled by this autocorrect!)0 -
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Your insurance company have effectively said that you were in no way negligent. You would only be responsible for this if you had been negligent.
It is up to your neighbour to claim on her insurance (and they may then argue with your insurance company on her behalf).
You should not personally pay a penny."When the people fear the government there is tyranny, when the government fears the people there is liberty." - Thomas Jefferson0 -
You say the machine "malfunctioned" then you claim on the warranty.
If it is out of warranty, can you prove you were you having it serviced on a regular basis?
If I were your neighbour I would be contacting my legal claims insurance company and highlighting those points to them.0
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