What happens when someone else is responsible for the damage to my home or belongings?

Sometimes your home or belongings will get damaged and it won’t be your fault. Like, say, if a neighbour’s house fire ends up damaging your home. If another person or party has caused the damage (in whole or in part), we may attempt to seek payment from the other person or their insurer to recover any costs. We could also try to recover any uninsured damages you may have (where it’s legally allowed). We may need you to help us with our investigation. Don’t worry, your Claims Professional will go over any steps you’ll need to take and answer any questions you have.