ses my house to catch fire, what pays for my house repairs?
2007-02-03 11:42:52 · 9 answers · asked by Anonymous in Business & Finance ➔ Insurance
I have fire insurance. If my neighbor has a wood stove, I wonder if the insurance company can raise the cost of my insurance too if my neighbor has that wood stove? Good way for insurance company to make more money and good way to sue my neighbor to pay for my house insurance premium....lol.. if it were that way. Carbon monoxide is heavier than carbon dioxide right? So if I live in a lower lying area, they are poisoning me with carbon dioxide from the wood stove? hmmm Wouldn't wood stoves be more dangerous to the atmosphere too, from the heat? Global Warming and such, moreso than a furnace? Maybe they should be luxury taxed for that so my air will be cleaner?
2007-02-06 11:31:54 · update #1
Your insurance will pay, and no, the can't charge you extra if your neighbor has a woodstove.
They may want to charge your neighbors more because they have a woodstove.
2007-02-08 08:48:18 · answer #1 · answered by Insurance Biz CT 5 · 0⤊ 0⤋
These people lived outside the city limits. No fire department had jurisdiction out there. Consequently, in an attempt to provide coverage, they charged a NOMINAL fee to cover going so far out. No one was required to pay that fee... just like health insurance is SUPPOSED to work... but they were SOL if they had a fire... just like if you got sick without buying health insurance. And I will point out that is EXACTLY what the Tea Party advocates... And I have no problem with that. There is such a thing as personal responsiblity.
2016-05-24 00:45:35 · answer #2 · answered by Anonymous · 0⤊ 0⤋
I think you are upset the odor of the wood burning at times blows by your house. Because you live in a lower area than he, I believe his house is not a California home or you live outside the developed areas. How far from your house is this neighbors?
Regardless, If he has a spark arrester on his chimney and cleans it regularly, there is no way he can damage your house.
Why do you want to recover damages before they happen?
Put the horses before the cart. Horses are useless when you have them push the cart.
2007-02-09 17:52:42 · answer #3 · answered by Anonymous · 0⤊ 0⤋
The easiest way is to let your insurer cover your damages, and then let your insurer seek compensation from your neighbor and/or their insurer. However every homeowner's policy covers fire. I don't know of any insurer who would exclude fire from a woodstove, as they would more than likely decline the entire risk. Plus why would someone want to buy a policy from someone if their going to exclude fire from a likely source such a woodstove?
2007-02-03 15:49:51 · answer #4 · answered by Gambit 7 · 0⤊ 0⤋
YOUR house insurance. If you don't have fire insurance on your house, you'd have to prove your neighbor KNEW that his house and yours would catch on fire, and that he didn't do anything about it - which is almost impossible. But, if you COULD, then you'd be suing him, and hope that he has enough liability insurance that you could collect under.
But just that fact that his house caught on fire, and the fire spread, that does NOT make him liable to you.
So . .. check your own homeowners policy to make sure coverage is in place.
2007-02-03 15:24:18 · answer #5 · answered by Anonymous 7 · 0⤊ 0⤋
do you have fire coverage?
If not then the only way you could win the argument that your neighbor should pay for the repairs of your home is if you can prove that your neighbor was grossly neglegent in controlling the appliance in his own home.
which of course will be difficult b/c your neighbor will likely play down and deny all accusations to aviod liability
2007-02-03 11:53:54 · answer #6 · answered by simply_made 4 · 0⤊ 0⤋
Your home insurance is supposed to cover that.
2007-02-03 11:50:15 · answer #7 · answered by mindblower_2k 2 · 0⤊ 0⤋
your insurer would pay.
2007-02-03 11:49:10 · answer #8 · answered by Anonymous · 0⤊ 0⤋
you do into u sue
2007-02-03 12:07:45 · answer #9 · answered by Anonymous · 0⤊ 0⤋