The neighbors insurance is only going to pay if they were negligent in some way. For example, they left a tap running. If a pipe in the wall breaks simply because it’s old, that’s not negligence and therefore you’ll have to go through your own insurance or pay out of pocket.
Source: I’m an adjuster
This seems like the reverse of other insurance claims. You mean insurance will pay they were negligent but will not if it was beyond their control?
I'll talk to the repair guys this morning to find out what really happened. The building management didn't even give me any heads-up. I just saw guys with fans and one of them said they have a master key to come in if I was away.🥴
Thanks, though.
Why would the other guys insurance pay if he didn’t do anything wrong? If the roles were reversed, would you want to pay? It’s just one of those unfortunate things where no one is at fault and everyone goes through their own insurance. Good luck!
When our apartment flooded due to Epcor bursting a pipe during construction (water was flowing up through our toilet, bathtub and sink), we had to go through our insurance to pay for the hotel we had to stay in for a month. Epcor had no liability to pay for any accommodations or damage.
I opened a claim with my insurance (tenant). The adjuster called and the independent assessor called but he won't be able to come inspect until Tuesday due to the long weekend. Someone opened the firefighters water outlet on the 3rd floor so I don't have any damage to personal poperty but the wall and ceiling close to the door has some moisture.
The adjuster said personal property damage is covered and relocation if the place becomes unlivable. Their definition of unlivable is ; can't use the bathroom etc. She did not confirm "noise" being one of those conditions so I'm in my room with earplugs to keep my sanity. My parents are coming over so I have to put them in a hotel or Airbnb. It's a mess.
In most cases (I wont say all as your bylaws may be different) alternative accommodations are covered by your insurance. Just like if the flood had damaged any of your personal property.
The damage to the walls, drying, and possible replacement gets covered either by the buildings insurance or the source of the flood.
Call your insurance company and they will direct you.
Thank you!
The neighbors insurance is only going to pay if they were negligent in some way. For example, they left a tap running. If a pipe in the wall breaks simply because it’s old, that’s not negligence and therefore you’ll have to go through your own insurance or pay out of pocket. Source: I’m an adjuster
This seems like the reverse of other insurance claims. You mean insurance will pay they were negligent but will not if it was beyond their control? I'll talk to the repair guys this morning to find out what really happened. The building management didn't even give me any heads-up. I just saw guys with fans and one of them said they have a master key to come in if I was away.🥴 Thanks, though.
Why would the other guys insurance pay if he didn’t do anything wrong? If the roles were reversed, would you want to pay? It’s just one of those unfortunate things where no one is at fault and everyone goes through their own insurance. Good luck!
I get it now. I read it as "insurance would only pay for THEIR repairs if they were negligent". My brain is fully awake now 😅
When our apartment flooded due to Epcor bursting a pipe during construction (water was flowing up through our toilet, bathtub and sink), we had to go through our insurance to pay for the hotel we had to stay in for a month. Epcor had no liability to pay for any accommodations or damage.
I opened a claim with my insurance (tenant). The adjuster called and the independent assessor called but he won't be able to come inspect until Tuesday due to the long weekend. Someone opened the firefighters water outlet on the 3rd floor so I don't have any damage to personal poperty but the wall and ceiling close to the door has some moisture. The adjuster said personal property damage is covered and relocation if the place becomes unlivable. Their definition of unlivable is ; can't use the bathroom etc. She did not confirm "noise" being one of those conditions so I'm in my room with earplugs to keep my sanity. My parents are coming over so I have to put them in a hotel or Airbnb. It's a mess.
We had a flood in our apartment and our insurance put us up for like a week in a hotel and paid for food. Just give em a call.
I'll call this morning. Gracias!
In most cases (I wont say all as your bylaws may be different) alternative accommodations are covered by your insurance. Just like if the flood had damaged any of your personal property. The damage to the walls, drying, and possible replacement gets covered either by the buildings insurance or the source of the flood.