If my neighbor's rental house caught fire and damaged my house, is the owner responsible and can I file a lawsuit against there insurance company?
Question Details: I just purchased a home in cash, haven't received any home insurance yet when my neighbors rental house caught fire and damaged the whole side of my house. The known cause was that the renter of the house didn't have electricity/couldn't afford it. So he put 2 generators in the back of the house to give them power and left them on all the time. In the fire report it says that the cause of the fire was due to generators. Their home insurance agent says the home owner isn't reliable. Can I file a lawsuit against the owner's insurance company and is running the generators non-stop in the house for electricty a show of negligence on their part. Also, should I be able to win a claim to fix the 28k in repairs I got in my estimate?
1) You don't sue another person's insurance company; you sue the person. If you win against the person their insurance should pay.
2) The homeowner would only potentially be liable if the generators were under his control and his carelessness caused the fire; that is, you would have to be able to show that the owner was at fault since liability is based in fault.
3) On the other hand, if as seems to be the case from what you write, it was the renter who was at fault, you could only sue the renter. However, if he could not afford electricity, he most likely would have no money to pay you.