Home And Contents House Insurance
Home And Contents House Insurance
East Lansing house fire displaces 11 residents
EAST LANSING – Meandering through a parking lot with a flat-screen TV in his arms, Trevor Montroy watched firefighters battle a blaze that engulfed his home.
How do i claim on my neighbours home insurance after her fire?
My neighbour had a house fire 8 weeks ago, it spread into my attic but no major damage to the actual house. I want to claim against her contents insurance but she wont give me the details ( she does have insurance ). Dont see why i should have to pay an excess and ruin my insurance for something i didnt cause. I have written to her and confronted her and all she does is hides from me. She is now in temp accomodation while her house is repaired. How do i find out who she is insured with, there must be a way. Cheers
Bad news, your easiest, least stressful course of action is to claim on your insurance and let them get on with it. It’s not your responsibility to find out who she’s insured with, it’s down to your insurers, as they will seek to make a recovery of damages from her insurers, and these companies are extremely proficient at doing so. You will presumably need to claim on both your buildings & contents cover, as I would imagine there will be at the very least smoke damage to decoration & furnishings. Basically, anything that you’d take with you if you moved house is covered under your contents policy, anything fixed down is under buildings cover. Most insurers these days use preferred contractors such as Chem-Dry or Asprea to carry out repairs or renewals, so the old system of having to shop around for three separate estimates etc is redundant. If you have buildings & contents cover with the same insurer then you only pay your excess once. However, if you have them with separate companies then your excesses will apply to both policies; your insurers or citizen’s advice will be able to advise you how to recover your excess(es) from your selfish neighbour.
Oh, and one word of comfort; buildings insurance isn’t like car insurance in that it goes up if you make a claim; unless you’ve made lots of claims in a short period of time then making a claim this time will not affect your premium.
You try to extinguish the flames house fires, escapes with minor injuries Dayton – from an electrical fire forced a Park Drive residence to flee to his home Thursday, April 15.Dayton fire investigators believe an electrical problem caused the fire at 313 Park Drive. They received the call at 8:21 clock, and the fire clock expired was 8.45, according to Dayton Fire Chief Lester Flohr.