neighbor's irrigation broke and flooded my basement crawlspace.
I could claim against his insurance, or claim against my own insurance which would then "subrogate" a claim against my neighbor's insurance policy.
damage is about $2500 to clean up, and my deductible is $2500. It is unknown whether claiming against my home insurance policy will result in a rate increase for me.
If I claim against my neighbor's insurance, they will try to lay the blame on the landscaping company that maintains the irrigation system. So the question of who's liable is still to be discovered.
thanks for any suggestions and advice
I could claim against his insurance, or claim against my own insurance which would then "subrogate" a claim against my neighbor's insurance policy.
damage is about $2500 to clean up, and my deductible is $2500. It is unknown whether claiming against my home insurance policy will result in a rate increase for me.
If I claim against my neighbor's insurance, they will try to lay the blame on the landscaping company that maintains the irrigation system. So the question of who's liable is still to be discovered.
thanks for any suggestions and advice