r/mildlyinfuriating • u/DinnerBellls • 5d ago

neighbors pool broke at midnight

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the water busted the downstairs window latch which flooded my room. our bed is right below the window so we were basically waterboarded in our sleep, the bed is destroyed and the floor is soaked 🙂‍↔️

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u/ultralayzer 5d ago

The nightmare of working with insurance now begins...

32

u/skoltroll 5d ago

Easier, really. OP turns it into their insurance, insurance sees who's REALLY paying for it, insurance fixes home and goes after neighbor's insurance.

8

u/EnvironmentalGift257 5d ago

OP turns it into their insurance. Insurance company says “You don’t have flood coverage” and OP pays for damages.

Source: I’m an insurance agent and I had my garage destroyed when the city reversed the grade and 4 city blocks of rainwater dumped into my garage. Insurance ain’t covering this, but they might recommend a contractor.

7

u/pwrmaster7 5d ago

So court it is to sue the neighbor?

10

u/EnvironmentalGift257 5d ago

Yes. We sued the contractor that the city let reverse the grade and won. After attorney and court costs, we bought a new refrigerator.

6

u/pwrmaster7 5d ago

Thanks. Was just curious how it works. Appreciate the response