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Can I File a Claim Against Someone Else’s Homeowners Insurance?

October 2, 2018 – David Hahn

Can I File a Claim Against Someone Else's Homeowners Insurance?

If you’ve been injured or had property damaged due to someone else’s negligence, then you’re likely paying many bills to fix these issues. If someone else’s negligence was truly responsible for the problem, then it’s only fair that they provide compensation. How can you get the compensation you deserve? You may wonder if you can file a claim against someone else’s homeowners insurance to receive compensation.

In this article, we’ll discuss whether you can file a claim against someone else’s homeowners insurance and the steps you can take to help your personal injury claim.

Filing a Claim Against Someone Else’s Homeowners Insurance

If the homeowner has insurance, and you have reason to believe that the homeowner’s negligence caused your injury or property damage, you can file a claim against their insurance. If the homeowner doesn’t have insurance, you’ll have to file a lawsuit against them directly.

To file a claim, you need to find out what insurance company the homeowner has. There is no registry or legal record that will tell you what insurance company they have. So if the homeowner refuses to give the name of their insurance company, you will have to sue them to get the information.

After you’ve learned what company they’re insured by, you should file a claim against them as soon as reasonably possible. The insurance company may not take a claim that is filed too late, as they may think it was faked or that too much time has passed for them to investigate the incident. Some states require that the insurance company provide proof that too much time has passed, while other states don’t. After you’ve filed a claim, the insurance company will assign someone to investigate the case.

What You Can Do to Help Your Claim

You may think that filing the claim is the only thing you need to do to receive compensation, but unfortunately, this isn’t true. Because the insurance company doesn’t want to pay for the damages or medical bills from your claim, they will try to disprove it. There are things you can do to help prove your claim. Below are listed some steps you can take to help your claim.

  • Take pictures or video of your injury or property damage. You can also take pictures of anything that may have led to your injury or property damage, such as unsafe electrical wiring that caused an electric shock.
  • Obtain statements from witnesses. You can also get their contact information in case the claim goes to court.
  • Get copies of your medical records that pertain to the injury you received.

What to Do If You Need to File a Lawsuit

If the insurance company refuses to give compensation, you will need to file a lawsuit and hire a personal injury lawyer to fight your case. Where can you find the right attorney?

At Robichaud, Schroepfer & Correia, P.A., we have multiple personal injury lawyers who can help you get the compensation you need. Contact us today for a free consultation.

Disclaimer: the exact method for filing a claim against another party’s insurance can vary based on a variety of circumstances. It’s best to consult an attorney before filing a claim.

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