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

eddddy

kingstreet said:

It's entirely the neighbour's problem unless he had reported the issue to the OP previously and the OP didn't do anything to rectify it.

Yep - that would be an example of negligence.

Other examples of negligence might include:

• Repairing a leaking tank with Blutack and sellotape (which later fails)
• Leaving an empty house unheated in sub-zero temperatures, without turning off the mains water
• Being told by a surveyor/plumber etc that the tank is in danger of leaking, but doing nothing about it
• Or suspecting that the tank is in danger of leaking, but doing nothing about it

Jumblebumble

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. 

So you understand the law regarding negligence and accidents better than the OPs insurance company does ?
Please can you stop making up fairy stories as it does not help anyone except the builder who has no insurance

Keep_pedalling

pickledonionspaceraider said:

I  would say do not do your next door neighbour dirty - if you can help solve this amicably - then DO SO

Nothing to do with doing the dirty, the neighbour can recover their losses through their own insurance company unless they don’t have insurance in which case they are the ones who have been negligent. I suspect the neighbour just does not want to claim on their own insurance because they think their premiums up or they are just as misinformed as some of the people offering terrible advice on this thread.

Sabbir

Thank you everyone that is very helpful

propertyrental

Just want t reiterate what some here have been saying:

1)  you are only liable if you were negligent. Examples of negligence have been provided by others
2)  if this was an unforeseeable event, then you were not negligent
3)  if you were not negligent then a) you are responsible for the damage to your property and b) your neighbour is responsible for the damage to his property
4) each of you can (if you wish) claim against your own respective insurers. Assuming you each have insurance....
5 If either of you does not have insurance, that was a risk you chose to take - to save on insurance premium costs and hope you never need to make a claim. In that case, you have to cover the costs yourselves.

Sabbir

Thank you , we both have buildings insurance and that is very helpful.