Can we sue for loss of quiet enjoyment of our home after our sewer pipe was struck, destroying our basement?
Question Details: Boring company struck sewer pipe. We lost the use of our basement, including 2 bedrooms and a bathroom. Our children are now sleeping on couches, our laundry room is now 2 closets, our garage is filled with basement items, we can not use our laundry since pipe needed to be temporarily cut. This has caused a great deal of stress and loss of quiet enjoyment of our home for past month and looks to be another 2 months possibly before we can use the basement and laundry again.
In Massachusetts, you can sue for negligence for the damage caused by the company. You can't sue for quiet enjoyment as the boring company does not owe this duty to you. There is probably an insurance policy and there may also be a sum of money posted with the town or city to protect against mistakes of this nature. This performance bond is usually required as a condition of the contract. There should be question as to how the mistake happened. The company was required to check with DigSafe before digging. Therefore, they should not have had this problem.
As a first step, you should contact your own insurance company. They may pay for you to move into a hotel until the property is habitable. They may also pay to fix the damage. Finally, they may sue the boring company for you.
I also suggest that you contact a public adjuster to help you negotiate with the insurance company.