What do I do if
Neighbor's fire spread to my house.
Multi-party fire spread creates subrogation and coverage overlap.
Neighbor's fire spread to my house.
Root cause
Why this happens
Multi-party fire spread creates subrogation and coverage overlap.
Know the law
Your rights
Your homeowners covers your damage; carrier may subrogate.
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What kind of damage?
Pick the closest match. We will ask for details later.
What to do
Solution steps
- 01
Step 1
File on your policy
- 02
Step 2
Document ignition source if identifiable
- 03
Step 3
Cooperate with subrogation process
No obligation. No fee unless recovery.
Dealing with this? Free review.
Licensed Florida public adjuster.
Similar scenarios
Related problems
Flood claim denied when source was plumbing.
Flood-NFIP vs homeowners water damage confusion.
Tree from public right-of-way fell on my property.
Municipal tree liability.
Utility company tree fell on my property.
Utility-owned trees have different subrogation paths.
Construction debris from neighbor's work damaged my home.
Third-party construction liability.
Drone or aircraft damaged my property.
Aircraft damage may involve federal liability.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the law
Relevant statutes
FS 626.854
Public adjuster representation.
FS 627.70131
Carrier duties.
FS 627.70132
Notice deadlines.
FS 627.7142
Homeowner Bill of Rights.
FS 626.9744
Matching statute.
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Common problems.
See also
Other common problems
Neighbor's construction damaged my property.
Another situation Florida policyholders face mid-claim.
Request for adjuster inspection report (variant 4).
Another situation Florida policyholders face mid-claim.
Stamp or coin collection stolen or damaged.
Another situation Florida policyholders face mid-claim.
Carrier wants to depose my experts.
Another situation Florida policyholders face mid-claim.
Carrier demands itemized receipts for every ALE expense.
Another situation Florida policyholders face mid-claim.
Personal property settlement was far less than replacement cost.
Another situation Florida policyholders face mid-claim.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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