How do you database a claim for plunder done to your property by someone else's contractor?
For example, if a plumbing contractor working for an uphill neighbor knocked something out contained by a pipe causing sewage to come down onto your property?
Do you profile with your own insurance company? Or do you own to file suit againts the neighbor and his contractor?
1) Get the contractor's insurance information
2) You would contact your insurer to profile a claim and provide them with the contractor's insurance information.
Your insurer would subrogate the claim to the contractor's insurance. You would work beside your insurer to repair any damage to your home/property. Your insurance would cover your property. All costs for the claim should be compensated for by the contractor's insurance (if they admit fault).
You directory with your own insurance company, and permit them try to collect from the plumber - IF it's even covered. Water running downhill is FLOOD, and excluded under the standard homeowners. Sewage running downhill is predictable to ALSO be excluded.
Filing suits is fine, but you'll have to take-home pay your lawyer up front, as "accidents" aren't going to budge in your favor, with the sole purpose deliberate negligence, which, logically, you'll have to PROVE.
Answers: If the contract be working as an agent of the owner of the land, you can submit your damages to that owner. It will be up to him to collect from his contractor, usually by withholding segment of any payment. The owner my also elect to submit the claim to HIS insurance company.
OR you can simply sue them both and permit the court sort out the blame and liability. BUT in most states formerly you can sue you must first present them with a emergency for payment.
As an state-of-the-art choice you can turn the matter over to your insurance company who will do the steps above, but who might also bump up your premium next time around.
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You cannot report a claim directly with another party's insurer. Contact your insurance and permit them pursue recovery.