How To File A Claim Against Someone Else’s Homeowners Insurance

homeowners claim

Are you in a situation where your property was damaged or you (or a family member) were injured, and the responsible party was your neighbor? Did you know that this is what homeowners insurance is for? You can file a claim against your neighbors homeowners insurance to be compensated for the damages your neighbor caused.

Understanding the Process

Filing a claim against another person’s homeowners insurance might seem daunting, but it’s a structured process. Whether it’s due to property damage or a personal injury, such as a dog bite, understanding the basics is key. Let’s dive into the steps you need to take.

Step 1: Obtain the Homeowner’s Insurance Information

The first step is to get the insurance details of the homeowner responsible for the damage. This might involve a cordial conversation with your neighbor. Remember, maintaining a good relationship can make this process smoother. Don’t assume your neighbor wont cooperate and try to go behind their back. This is what they have homeowners insurance for. If both of you are on the same page, the process will run much smoother.

You’ll want to obtain the homeowners insurance company name, policy number and phone number. This will be enough to file the claim.

Step 2: Contact the Homeowner’s Insurance Company

Once you have the insurance information, reach out to the company. Explain your situation and provide any policy numbers you have. If you and your neighbor are on the same page, your neighbor can also call and file the claim with their insurance company. Either way will work.

It’s also a good idea to inform your own insurance company, as they can offer guidance and may even handle the claim on your behalf. This would be a good option if your neighbor is not cooperating for whatever reason. Your insurance company has a process to contact your neighbor and their homeowners company if needed. They can be a valuable resource for you, even if the incident was not your fault.

Step 3: Gather Evidence to Support Your Claim

Collecting evidence is crucial. This includes photos of the damage, medical reports for injuries, and any other relevant documentation. A well-documented claim strengthens your case significantly. Again, this is important especially if your neighbor is not cooperating. Well organized and detailed information can also move the claim along faster.

Step 4: Submitting the Claim

With your evidence ready, submit your claim to the insurance company. Ensure all required forms are filled out accurately and attach your supporting documents. If you’re not sure of everything you should submit, don’t worry. You’ll be assigned a claims adjuster that will be your point of contact. They can let you know next steps, answer any questions and be your guide throughout the process.

Step 5: Handling the Investigation

The insurance company will investigate your claim. They may ask for additional information or clarification. Be cooperative and provide any additional evidence they require. Again, cooperating with the insurance company and getting them what they need, as soon as you can, will help the claim run much smoother and faster. If you feel the other person’s insurance company does not have your best interest in mind, or is just giving you the run-around, that would be the time to call your own insurance company and let them help and guide you.

Step 6: Negotiating for a Fair Settlement

Once the investigation is complete, the insurance company will make a settlement offer. If it’s not satisfactory, you can negotiate. Sometimes, involving a personal injury attorney can help in getting a fair deal. As we mentioned above, you can also involve your own home insurance company and they will fight on your behalf. Remember, the point of filing a claim against your neighbor is to be compensated for the damages that occurred, not to make you rich and get more money than you deserve.

Step 7: What to Do If Your Claim Gets Denied

If your claim is denied, don’t lose hope. You can appeal the decision, talk with your own homeowners insurance or seek legal advice. Sometimes, a formal lawsuit may be necessary to get the compensation you deserve.


Can I file a claim against someone else’s homeowners insurance if they caused damage to my property?

Yes, if your neighbor’s actions or negligence led to damage, you can file a claim against their insurance.

Do I need a lawyer to file a claim against someone else’s homeowners insurance?

While not always necessary, a lawyer can be helpful, especially in complex cases or when negotiating settlements. Your own homeowners insurance can also be a great help.

What types of damages can I seek compensation for through a claim against someone else’s homeowners insurance?

You can claim for property damage, personal injuries, and other losses directly resulting from the neighbor’s actions. Things such as dog bites, trees falling onto your property, trampoline or pool injuries, etc.

How long does the process of filing a claim against someone else’s homeowners insurance typically take?

The timeline varies, but it can take several weeks to months, depending on the complexity of the case and the insurance company’s process.

Please complete the form below for a quote.

Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at Heritage Insurance is here and ready to make the process as painless as possible. We look forward to meeting you!