Fire Damage, should I file a claim if the fire started at my neighbors?

1/2/2018 (Permalink)

SERVPRO of Southwest Las Vegas gets asked multiple questions daily about whether or not to file a claim.  SERVPRO of Southwest Las Vegas does not have the power to act like an adjuster nor do we answer questions that should be answered by a licensed adjuster.  We can however give a ball park figure in regards to a fire loss damage which could help you determine if it's worth filing a claim or not.  I would say the most asked question in regards to ANY type of loss when it comes from a connected neighbor is "should I still file a claim?" I always recommend filing a claim because in most cases these types of losses will include the HOA and can take a long period of time to figure out who's responsible for what (they have to read through the CC&R's) which could take weeks.  If both parties file a claim then in most cases each insurance will cover its own and determine who's at fault behind curtains and subrogate against the at fault party.