My neighbours home just burnt down. Do I claim on their insurance for damage to mine?

littlerock

My very elderly neighbours have just burnt down their house.(we think he was lighting the solid fuel! boiler and fell asleep. ) Fortunately they were rescued by a meals on wheels driver who arrived to see flames coming from their house. The fire was well established by the time the fire brigade arrived.

Our houses are semi detached and halls adjoining. The fire brigade managed to save our house but we have quite a lot of water damage.. We cannot get back in until it has been surveyed by a structural engineer.and are camping out with our son. Their son who turned up, said they are insured. My question is should I be claiming on my house insurance or theirs?

z1a

I would guess, initially yours, then they'll chase neighbours for their money. Not sure though.

Doozergirl

Claim on yours.

[Deleted User]

Yours.

Money may get shifted around between insurers in the background, but your insurer covers damage to your house.