My house flooded and my neighbour is demanding money for damages to his home.

diystarter7

doodling said:

Hi,

To be absolutely clear, providing that the leak was not caused by your negligence then neither you or your insurers are in any way responsible to your neighbour.

It is for your neighbour to claim on his own insurance.  Given that your insurers have already told you that they believe it was an accident then there is no point in forwarding stuff from your neighbour on to them.

The only time you need to forward stuff to your insurers is if your neighbour sends you a letter threatening legal action, or you receive papers from a court.

Hi

I had to read your post several times to sink in. I find that incredible. However, I do accpet that what you have posted is fact.

If this was the case, next door is never going to be the same again - an eye opener of a post.

Thnaks

Sabbir

Thank you that is very helpful

dannim12345

That was insurance is for but the costs he is trying to claim seem excessive to say the least.  Assuming it was a leak from the tank & then stopped once it was empty (and didn’t run for a long time), damage can’t be much and will dry out. 

diystarter7

dannim12345 said:

That was insurance is for but the costs he is trying to claim seem excessive to say the least.  Assuming it was a leak from the tank & then stopped once it was empty (and didn’t run for a long time), damage can’t be much and will dry out. 

Hi

In fairness to next door, we don't knnow the extent of the damage and at times ceiling, part of do need replacement etc, etc and then trying to match in paints and protecting funrture annd flooring. However, as almost everyone has stated, let the insurance deal with it

Thnaks

comeandgo

I don’t know if your neighbour is just trying it on hoping you don’t know what the proper procedure would be or if he truly believes you are liable.  Do you have legal cover with your insurance?  Maybe ask them to write to the neighbour and explain to him you are not liable.  

Sabbir

Thak you that is very helpful

diystarter7

comeandgo said:

I don’t know if your neighbour is just trying it on hoping you don’t know what the proper procedure would be or if he truly believes you are liable.  Do you have legal cover with your insurance?  Maybe ask them to write to the neighbour and explain to him you are not liable.  

Hi

I have lots of knowldge about many things that affects most people's lives and more and a lot about property but even I was not aware of what has been said. Btw, I'm not the nigobour, lol.

Getting the insurance to write to him, should happen automatically if the owner tells them next door effected

Thnaks

theartfullodger

You know your place flooded:  Neighbour states his has been affected: (? agree it's been affected? ) .  Ignoring the amounts being demand, if next door impacted then YOU ARE LIABLE.  

A home-owner may or may not have insurance (no legal requirement, albeit an owner would be mad not to have insurance).  If you have insurance engage your insurance company in conversation & discuss the matter. 

Keep_pedalling

theartfullodger said:

You know your place flooded:  Neighbour states his has been affected: (? agree it's been affected? ) .  Ignoring the amounts being demand, if next door impacted then YOU ARE LIABLE.  

A home-owner may or may not have insurance (no legal requirement, albeit an owner would be mad not to have insurance).  If you have insurance engage your insurance company in conversation & discuss the matter. 

You are only liable if you have been negligent in some way such as ignoring a slow leak prior to the event and even that would be hard to prove. If the neighbour has insurance then he claims from them if he doesn’t then he is an idiot. If he tries to claim off the OP then they should simply forward any claim to their insurance company and inform the neighbour that is what they have done and that should be the only response they give.

eddddy

theartfullodger said:

You know your place flooded:  Neighbour states his has been affected: (? agree it's been affected? ) .  Ignoring the amounts being demand, if next door impacted then YOU ARE LIABLE.  

No. As others have said, the OP is only liable if the OP was negligent.

@Sabbir what caused the leak? Was it something that a reasonable person wouldn't have foreseen?