Question about insurance liability

[crspaul]

Hi all a couple of days ago my next door neighbours shed caught fire due to a faulty tumble drier,the fire spread to my fence then burned down one (plastic) shed and caused considerable damage to my other (wood)shed.I spoke to him re. insurance and he said his insurers said to claim off my home insurance.I spoke to my insurance and they said they will send someone out next week. My question is who should pay I did nothing wrong why should I claim off my insurance? is this normal? I feel its his insurance who should be responsible any thoughts thanks Paul.

[EDDIE51]

You claim off your insurance and your insurance may then claim off his insurance. You just put the claim in to your insurers and leave it to them.
Just the same as in a car accident you claim off your insurance and let them sort out the blame, that's what you pay for. If you are found not to blame then you can reclaim your no claims bonus , all just like car insurance.

[dzug2]

To claim from his insurance you (or your insurers) would have to prove he was negligent - that is not immediately obvious

[percypineapple]

do not replace anything that was damaged until you are paid out. the other insurance company will try to bid you down and you will finish with less than you expected.

[ladyalex]

Moneybox had an article about almost exactly this situation today.
Have a look.
http://www.bbc.co.uk/programmes/b006qjnv

You have to claim on your insurance.