My neighbor's air conditioner leaked through my ceiling. Their Homeowner's Inusrance (State Farm) says they aren't going to cover my damage since it was an accident. I can not file another claim against my insurance since last year I had to file due to their water heater leaking into my unit! Can State Farm do this?
2006-07-27 10:06:37 · 8 answers · asked by Anonymous in Business & Finance ➔ Insurance
for it to have leaked through your ceiling, the leak is bound to have been there for awhile, and nobody noticed it? little secret about most insurance companies, no matter how honest they may seem:they will almost always deny the claim if there is anyway to get out of it. yes, get an attorney
2006-07-27 10:13:54 · answer #1 · answered by munesliver 6 · 0⤊ 0⤋
A) you can always file a claim against your own insurance. Doesn't matter how many you have in a particular year.
B) Accidents are the reason why we buy insurance...State Farm needs to give you a better reason than that.
C) I would reopen the claim from the water heater and have them investigate the water damage, as they all may be connected
D) File a claim agains the HOA, they should have coverage for these types of deals.
E) If you are always having water damage issues from the same neighbor, force the HOA to repair the problem as it is in your CC&R's that they must maintain the common areas.
2006-07-27 18:40:06 · answer #2 · answered by myalterego 2 · 0⤊ 0⤋
If you live in a condo. There is an Owner. Also they should have a Board of Directors. An elected president/and other board electives. I'm sure you get a Bulletin right? Just call the owner of the Condominium's. They will direct you to the Right place.
Negligence, is worthy of a lawsuit. Your neighbor is liable. But try to do it in a friendly way. Unless, you are moving soon there is no reason to get things ugly.Not that you are or were. They(neighbors) might not like it. But, the law is the law.
2006-07-27 10:24:20 · answer #3 · answered by Anonymous · 0⤊ 1⤋
I don't think so, that is why you have insurance, to cover you in case of accidents. If I were you I would contact either the condo's board or a lawyer.
2006-07-27 10:11:14 · answer #4 · answered by Jim T 4 · 0⤊ 0⤋
As a compromise, ask to enable your plumber circulate into the different unit and look on the bathe. no count if this is no longer the different unit's proprietor's subject then you definately compromise to pay for the plumber. if this is the different unit proprietor's subject then he would be in charge. the two that or you will get a criminal expert - you may sue the two the different unit proprietor and the HOA. the different proprietor is in charge for harm and the HOA for failure to fulfill its fudiciary and maintenance household initiatives. case in point, the HOA's failure that can assist you lowers the resale fee of your house and the resale fee of alternative unit vendors.
2016-11-03 03:30:00 · answer #5 · answered by ? 4 · 0⤊ 0⤋
Accident or not, you have the insurance for such purposes. Get an attny if you are having issues.
2006-07-30 15:54:42 · answer #6 · answered by tigertiggerii 3 · 0⤊ 0⤋
what boo said....either that or beat the s hit out of your neighbor if he doensnt pay up
2006-07-27 10:10:09 · answer #7 · answered by marabierto1961 5 · 0⤊ 0⤋
get an attorney.
2006-07-27 10:09:33 · answer #8 · answered by boo 5 · 0⤊ 0⤋