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Flooded

edited 30 November -1 at 1:00AM in Insurance & Life Assurance
6 replies 671 views
annie1990annie1990 Forumite
2 posts
edited 30 November -1 at 1:00AM in Insurance & Life Assurance
My neighbors flooded my property due to a burst pipe was wondering who would be liable I have had my adjuster from my insurance company and tomorrow his adjuster is coming out to morrow but he owns the property but he lets it out any help would be much appreciated

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  • DCFC79DCFC79 Forumite
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    annie1990 wrote: »
    My neighbors flooded my property due to a burst pipe was wondering who would be liable I have had my adjuster from my insurance company and tomorrow his adjuster is coming out to morrow but he owns the property but he lets it out any help would be much appreciated

    You haven't said but what is it you need help with ?
  • If anybody had went through this and who would pay for the damages him,his insurance, my insurance? Thanks
  • zx81zx81 Forumite
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    Unless he was negligent, your insurance.
  • EdGasketTheSecondEdGasketTheSecond Forumite
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    His contents insurance should cover your loss; at least thats how it worked when a fire in my house also damaged the neighbors; their loss was paid from my contents insurance.
  • FutureGirlFutureGirl Forumite
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    If the neighbour has been negligent in anyway, then he is liable.

    However, if the burst pipe 'just happened' then the neighbour can't be held negligent and, therefore, isn't liable for any damage to your property.

    Either claim from your insurance, and let them claim from your neighbours insurance. Or pay it yourself, and claim directly from your neighbour if you think they have been negligent.
  • eddddyeddddy Forumite
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    If it was a burst pipe caused by the unusually cold weather, there's probably no negligence, so either you or your insurer will have to pay for any damage.

    But if the neighbour is fibbing, and it was really something like an unattended bath that overflowed, then the tenant or their insurer is liable for the damage (because the tenant would have been negligent to let a bath overflow).
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