If a neighbor’s house fire damaged your house, you normally will have to pay your deductible if you are filing a claim through your homeowner’s insurance. A deductible is an amount that you need to pay annually before any benefits can be processed. This means that you have to pay the deductible whenever you file a claim if it has not been paid earlier in the year.
You may need to pay the deductible to the insurance company or whoever works on the damage for your house. This depends on what insurance company you have a policy with. Deductibles can range in price depending on your policy.
You might be able to sue the neighbor for money to pay for the damages. If they were reckless and did something to cause the fire through their recklessness, there might be a big chance for a lawsuit. You do need to realize that such a lawsuit could create a large amount of tension between you and your neighbor. This could make living in the same neighborhood with them miserable.
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