Home insurance - Damage caused by neighbouring property
Who is your issue with?
Resolver is free. No adverts, no hidden costs. Just raise a case and leave feedback after. Simple! We’ve helped millions of people find a resolution. Get started now and let’s get this sorted.
Know your rights
There’s no jargon in our rights guides. Instead, they’re full of the info you need to get things sorted. We’ll always be on hand with guidance and support to help you get the results you’re looking for.
Get your voice heard
You can be certain that you’re talking to the right person at the right time. We automatically connect you to contacts at thousands of household names, ombudsmen and regulators to find a resolution.
Home insurance policies contain “insured perils” which refers to events such as fire and flood. If the cause of the damage can be attributed to an “insured peril” then you may be able to claim. You should check whether your policy has accidental damage cover which may cover this sort of situation. If your insurer or theirs refuses your claim, then there are other avenues you can explore. If talks with your neighbour fail, then you can utilise legal expenses cover if you have that as part of your home insurance – check your policy carefully. This could cover the cost of taking legal action against your neighbour. This will enable you to litigate against your neighbour personally to recover the damages he has caused you. Keep a record and photographic evidence of the damage as it can be used as evidence for your insurance claim.
Resolver can help you resolve this issue quickly, free of charge and without the hassle. We can also help you with the next step of writing your complaint. Click on the link below to create your email.
You should know
- If you’re making a complaint about making an insurance claim rather than a mis-sold policy, check your documents to see who the “underwriter” is. You’ll need to make a complaint to that organisation.
If you cannot resolve your issue you cannot raise your case to the Ombudsman until 8 weeks after you have first raised your complaint with your supplier, or you have received a ‘letter of deadlock’ from the company stating that they cannot resolve the issue as you have asked. Your complaint must also not be older than 9 months. For an accurate decision by the Ombudsman you should provide a detailed file of your communications and supporting documentation. In addition make sure you explain what you want as an outcome as this will help assess your case.
Find the best rights for you
We have 5,115 pages of rights advice for you covering 7,027 companies and organisations across 17 public & private sectors. Feel free to browse companies for this specific issue - they're all listed below - but the quickest way to find the best rights for you is by using our unique Rights Finder to access our extensive database of advice.
Start by telling us the name of the company or organisation you have an issue with.