My neighbor’s house exploded. How do I proceed from here?

[babygems]

@boywonder23k It’s going to be interesting, that is certain. My neighbors have a head start on me so I am going to speak with them in the next few days to see if there is any confirmation I can get from them about these claims and move forward from there.

 

[resjudicata]

@babygems JFC, I hope no one was in the other house. Glad you were safe. It should all work out OK for you both. Congrats on the marriage!

 

[coolworld187]

@babygems Is this in Onedia NY? I saw this on the news yesterday looked like more damage than if a jet dropped a 500lb bomb on it! Unreal .

 

[heal92]

@coolworld187 Yes.

 

[goldenboy89]

@babygems Which is your house?

 

[jawj77]

@babygems Get the windows boarded and a claim filed. Concussive damage from an explosion will probably require the insurer to hire a structural engineer, so make sure your insurer has contact information for someone who can exhibit the property if you're going to be gone for a while yet.

 

[b4jesus]

@babygems Not the kind of bang you expected on honeymoon

 

[babygems]

@b4jesus Thank you, we needed that laugh

 

[minyen94]

@babygems File teh claimwith your own homeowners insurance. They will subrogate against anyone else who could be at fault to get their money back.

Also, by notifying them first, they will assist with things like boarding up . It required under your policy that you mitigate damages. Your carrier will handle this. This is what insurance companies do. They have emergency services who are reliable and whose charges they will approve.

It is unlikely, though not guarantied, that your premium will go up. There is no fault on your side

 

[wingsoffaith]

@babygems Take steps to prevent further damage.

Contact your home owner insurance, they should take care of it.

 

[nickkhun23]

@babygems Now. Call your insurance company and open a claim. They need to get an adjuster there WITH YOUR PARENTS to document

 

[msmawie_f]

@babygems FYI servopro does a lot of the services you need and sometimes does direct billing with the insurance

 

[necton]

@babygems Call your home owners insurance as soon as possible but no later than Tuesday.

 

[richtigenmela]

@babygems Pretty safe bet your insurance company is on the clock right now.... scheming for ways to limit or outright deny any claim you make.

 

[lecsettcalnest1983]

@babygems "It caused a natural gas leak and led to an explosion that shook the city and blew out most of our windows and caused some rather serious damage to our foundation. "

Sounds like you're going to need a tear down and rebuild. Whoever said Lawyer Up is spot on.

 

[kegotkeys]

@babygems Take up gambling. I can't think of a luckier place to be when one's home is destroyed than 'not there.'

 

[leighsills]

@babygems Contact your insurer. Immediately. Have the windows secured to prevent further damage. Good luck.

 

[babygems]

https://preview.redd.it/cmijnv2apon...bp&s=839b047d50a66c579eb63d47e91764ccadcbb008

My neighbor’s door hit our house and crumpled

 

[mjp9]

@babygems I am a property claims adjuster and have handled a similar situation where a neighbor’s car in neutral clipped a gas line and then ran into the garage. It caused a nasty fire to that home and neighboring homes were damaged from the heat.

File an insurance claim and make sure to provide as much info as possible, including a police report number. You didn’t do anything wrong here so you should not have an issue of coverage. If your limits are low you can go after the driver’s liability policy for the excess loss, but this will require an attorney to be done correctly.

Insurance companies do not make money by paying claims correctly. They train their adjusters to delay, diminish, and deny. They do not want people to use the product that they sell so they fight tooth and nail to mitigate their exposure. This is all going to boil down to who is assigned to handle your claim and the level of authority/autonomy they have internally.

Find someone in the local insurance industry who can guide you through the claims process. An insurance contractor will know how to write estimates that your insurance company can process, and certain contractors know the adjusters/politics on the carrier side.

Public insurance adjusters are licensed per state to assist homeowners in claims. While they can be a great resource, it is of the utmost importance that you vet them.

Good luck