OpieRadio Logo
Compound Media Logo
Jim Norton Logo

Neighbor wants deductible for water damage

Discussion in 'Wackbag Home Improvement & Car Repair' started by ruckstande, Oct 21, 2012.

  1. ruckstande

    ruckstande Posts mostly from the shitter.

    Joined:
    Apr 2, 2005
    Messages:
    14,665
    Likes Received:
    4,232
    We had a leak in our unit when our dishwasher broke. We spent over $1100 fixing what we thought was the leak then finally discover it was the dishwasher and replacing it. She contacted her homeowners and has a $500 deductible to repair her damage. My wife and I aren't going to pay the whole thing but plan on offering half. Sound fair?
     
  2. OccupyWackbag

    OccupyWackbag Registered User

    Joined:
    Dec 12, 2011
    Messages:
    3,416
    Likes Received:
    189
    If the damage to you neighbors unit was caused by a leak in yours I would imagine you should pay the full deductible. Correct me if I'm reading your post wrong.
     
    Falldog likes this.
  3. Sinn Fein

    Sinn Fein Infidel and White Interloper
    Wackbag Staff

    Joined:
    Aug 29, 2002
    Messages:
    31,319
    Likes Received:
    2,070
  4. gorram

    gorram ;)

    Joined:
    Apr 30, 2011
    Messages:
    34,657
    Likes Received:
    91,763
    In a similar situation that happened at my condo the homeowners association insurance paid for it because it was a common wall. If it had affected only one resident then your own insurance would have to cover it.
     
  5. MetalBender

    MetalBender I like fistables.

    Joined:
    Dec 20, 2009
    Messages:
    1,308
    Likes Received:
    111
    Turn her damage in to your insurance along with yours as it came from your dishwashers failure. No reason they shouldn't foot the entire bill for all damages.
     
  6. Ballbuster1

    Ballbuster1 In The Danger Zone...
    Wackbag Staff

    Joined:
    Aug 26, 2002
    Messages:
    101,979
    Likes Received:
    16,345
    Contact your ins co. I'm sure they'd rather pay her deductible
    than all of her repairs. Either way, it shouldn't be on her for
    a failure from your place.
     
  7. lajikal

    lajikal Registered User

    Joined:
    Aug 6, 2009
    Messages:
    15,485
    Likes Received:
    3,805
    Boratfan?
     
  8. ruckstande

    ruckstande Posts mostly from the shitter.

    Joined:
    Apr 2, 2005
    Messages:
    14,665
    Likes Received:
    4,232
    Already contacted our insurance company. They said it wasn't their problem. Isn't that why people have their own insurance?
     
  9. d0uche_n0zzle

    d0uche_n0zzle **Negative_Creep**

    Joined:
    Sep 15, 2004
    Messages:
    46,510
    Likes Received:
    6,796
    Read through your policy and see if its covered. Then call back and ask to speak to a stupidvisor.
     
  10. Ballbuster1

    Ballbuster1 In The Danger Zone...
    Wackbag Staff

    Joined:
    Aug 26, 2002
    Messages:
    101,979
    Likes Received:
    16,345
    Then if it were me, I'd sue you for the deductible if you didn't pay it.

    Your leak, your fault. Pay me.
     
  11. ruckstande

    ruckstande Posts mostly from the shitter.

    Joined:
    Apr 2, 2005
    Messages:
    14,665
    Likes Received:
    4,232
    I then would end up submitting that to my homeowners correct?
     
  12. ruckstande

    ruckstande Posts mostly from the shitter.

    Joined:
    Apr 2, 2005
    Messages:
    14,665
    Likes Received:
    4,232
    I read through it. It covers what's inside our unit. I have to get out of this fucking place.
     
  13. Ballbuster1

    Ballbuster1 In The Danger Zone...
    Wackbag Staff

    Joined:
    Aug 26, 2002
    Messages:
    101,979
    Likes Received:
    16,345
    More than likely. That's why you call them and keep moving
    up the chain til someone agrees to pay the 500. In the end, it's
    their cheapest way out. They just try and stall in the hopes that
    you'll pay to get your neighbor off your ass.
     
  14. ruckstande

    ruckstande Posts mostly from the shitter.

    Joined:
    Apr 2, 2005
    Messages:
    14,665
    Likes Received:
    4,232
    I would love to be neighborly and pay the we thing but I just can't do it. We're barely in the position to pay $250 but at least it's something. I just hope she accepts it.
     
  15. OccupyWackbag

    OccupyWackbag Registered User

    Joined:
    Dec 12, 2011
    Messages:
    3,416
    Likes Received:
    189
    It's not a matter of be "neighborly." she is not responsible for any damage your unit causes to hers. You are fully responsible and should make arrangements for payments at the very least if you can't get your insurance to cover it.

    She has every right to sue you for any money she has to spend to repair the damage.

    Like the other people said. Talk with your insurance.
     
  16. gleet

    gleet What's black and white and red all over?

    Joined:
    Jul 24, 2005
    Messages:
    22,543
    Likes Received:
    13,852
    If I was her, I would burn you out.
     
  17. d0uche_n0zzle

    d0uche_n0zzle **Negative_Creep**

    Joined:
    Sep 15, 2004
    Messages:
    46,510
    Likes Received:
    6,796
    If your name is Todd Clem, just offer your wife to work it for you.
     
  18. Ballbuster1

    Ballbuster1 In The Danger Zone...
    Wackbag Staff

    Joined:
    Aug 26, 2002
    Messages:
    101,979
    Likes Received:
    16,345
    I'd take that offer...

    [​IMG]
     
  19. ruckstande

    ruckstande Posts mostly from the shitter.

    Joined:
    Apr 2, 2005
    Messages:
    14,665
    Likes Received:
    4,232
  20. Hudson

    Hudson Supreme Champion!!!!!
    Donator

    Joined:
    Jan 14, 2002
    Messages:
    32,839
    Likes Received:
    4,557
    Yeah...they'll keep trying the "none on us" argument...until you get to the top.
     
  21. OccupyWackbag

    OccupyWackbag Registered User

    Joined:
    Dec 12, 2011
    Messages:
    3,416
    Likes Received:
    189
    I tell you what. Tell your neighbor that you are not going to give her the deductible money she spent to have her home repaired after your home damaged hers. When she sues you see who the judge sides with.

    The fact that you don't seem to understand how you are responsible is disgusting. Or maybe you do and just want to try and weasle out of your responsibility which is even more disgusting.
     
  22. ruckstande

    ruckstande Posts mostly from the shitter.

    Joined:
    Apr 2, 2005
    Messages:
    14,665
    Likes Received:
    4,232
    Does the law state I am responsible for her deductible schmuck?
     
  23. MayrMeninoCrash

    MayrMeninoCrash Liberal Psycopath

    Joined:
    Dec 9, 2004
    Messages:
    24,082
    Likes Received:
    8,341
    If she backed her car into yours would you be annoyed if she told you to pay your own deductible to get it fixed?


    I agree it should be your insurance companies to take care of, either coordinating with their insurance or just sending over their own repairmen or getting her estimate. Keep fighting.
     
  24. ruckstande

    ruckstande Posts mostly from the shitter.

    Joined:
    Apr 2, 2005
    Messages:
    14,665
    Likes Received:
    4,232
    This is how it should be. I am not negligent because I fixed the leak. Legally I don't believe I have any responsibility to pay money out of my own pocket for her deductible. I have no problem turning over my insurance information over to her so the pros can duke it out. I only wanted to be decent and show a sign of good faith.
     
  25. OilyJillFart

    OilyJillFart Well-Lubed Member

    Joined:
    Sep 26, 2008
    Messages:
    2,835
    Likes Received:
    1,107
    Did you ever find out if you are legally responsible, or are you just morally responsible in a good neighborly kind of way?

    It seems to me if you are legally responsible to cover the damage, the neighbors insurance company would come after you for the damages.

    I don't see why you would be responsible for the deductible, but not the whole thing. Seems like it would be all or nothing from the legal standpoint.
     

Share This Page