Accidents and unforeseen events happen to everyone, and sometimes, they involve your neighbors. If your property is damaged due to a neighbor’s actions or negligence, do you know the steps to take and how insurance can help? Keep reading if not!
Neighbors, Property Damage, and Insurance
Here’s a guide to understanding what to do and the insurance considerations involved.
Assess the Damage
First, you need to determine what kind of damage you’re dealing with and how serious it is.
This could include:
- Structural damage: This can include a tree falling onto your home or fence or a baseball damaging part of your home.
- Personal property damage: Examples include a broken window or damaged outdoor furniture.
- Vehicle damage: Your neighbor might have damaged your vehicle while it was parked on your property.
Document the Incident
Take clear photographs and videos of the damage from multiple angles. Write down the details of the incident, including the date and time, and explain how the damage occurred.
If there were any witnesses, get their contact information and statements.
Communicate with Your Neighbor
Approach your neighbor calmly and explain the situation. Do your best to keep the conversation friendly and cooperative. Neighbors are often willing to take responsibility and work with you to resolve the issue.
Determine Liability
Liability depends on the circumstances of the property damage.
Let’s say the damage was due to a neighbor’s negligence. Maybe they didn’t maintain a tree on their property, and it fell onto your property. In this case, they’re more likely to be liable for the damage.
In the case of accidental damage, an investigation might be necessary before insurance companies can assign fault for the damage. Often, accidental damage will be covered by your own policy.
Contact Your Fargo Insurance Company
Report the damage to your insurance company right away. They can tell you if your home insurance policy will cover certain types of damage, but specifics can vary.
- Home Insurance: Typically covers damage to your home and personal property. It may also include liability coverage, which can be helpful if the neighbor disputes liability.
- Auto Insurance: Your Fargo car insurance will handle the claim if your vehicle is damaged.
Filing a Claim
When filing a claim, provide your insurance company with all the necessary documentation, including photos, videos, witness statements, and any communication with your neighbor.
Neighbor’s Insurance
If your neighbor is liable, their liability insurance (part of their home insurance policy) may cover the damage.
Auto and Home Insurance in Fargo-Moorhead
As awkward as it can be to find yourself in this situation, prompt communication, documenting the damage, and contacting your insurance company right away will help it go smoothly.
Call Fargo-Moorhead Insurance today to explore your home and car insurance options for ultimate coverage.