Neighbour’s insurers are suing me for smoke damage

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    Neighbour’s insurers are suing me for smoke damage

    I’ve received a letter from my neighbour’s insurance company who are suing me for smoke damage to their property. The tenants in my property were negligent and left a combustible item on the hob which caused massive fire damage to my property, which is still uninhabitable. The report from the fire service confirms their liability. Needless to say the tenants have since disappeared and I am facing a massive bill from their insurers which I could not possibly pay. I phoned a solicitor for advice and was told I would be liable and would need to chase up the tenants myself for reimbursement. This seems totally wrong to me, surely it is the tenants who are liable not me. They are on benefits anyway so it would be a complete waste of time pursuing this. Any advice would really be appreciated as I am beginning to feel quite desperate in resolving this matter. Thanks.

    #2
    What a useless solicitor.

    Sounds like he thinks tenants are landlords' children. I would write back to insurers asking how you are responsible.

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      #3
      Thanks I will.

      Comment


        #4
        Are you a house or flat ?

        Have you checked the buildings insurance policy to see if it will cover smoke damage ?

        Comment


          #5
          No it does not cover smoke damage. Thanks anyway

          Comment


            #6
            What was the outcome?

            Comment


              #7
              Hallie,

              Is the insurer excluding smoke damage or all the fire damage? It sounds as though they are avoiding responsibility due to a material non-disclosure such as "had you told them about the tenants circumstances e.g., that they were on benefit"?

              Comment


                #8
                Doesnt your insurance cover public liability?

                Comment

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