My Neighbor Damaged My House and Has No Insurance

You have several options. One is to rent a bulldozer, go over to your neighbor’s house and… No you better not do that one. So your first real option is to submit a claim through your homeowner’s insurance policy. However, if you do this, your carrier will pay for the cost of the repairs, but you will be responsible for the deductible and it will be a claim against your policy. Your second option is to sue the no good, I mean your neighbor and go to court. In New York you can sue through Small Claims Court if damages are $5,000 or lower without involving a lawyer. Otherwise, you will need to consult an attorney to sue in civil court. Of course, I’m not a lawyer, but I say, ‘’GIVE HIM THE CHAIR!”
Good Luck.
Sherri

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