Who Pays? When Damage to Your Home is Caused by a Third Party

6/17/2019 (Permalink)

There are times when water damage to your home is caused by a third party. We've been to homes in which a new refrigerator was incorrectly installed, causing the water line to leak. Or the oil company accidentally overfills your tank - causing a biohazardous mess in your basement.  Maybe a plumber made a mistake when working on your pipes. In many of these cases, the company responsible voluntarily offers to cover the restoration costs. However, there may be times when that offer doesn't come and you may wonder - who pays for the damage- your insurance company, you or the third party? 

At SERVPRO of Milford-Orange-Stratford, we have team members that have been specially trained in "successful subrogation". Subrogation, by definition, is when an insurance company seeks payment or restitution from a third party that caused damage or injury to an insured person or property. Usually this means your insurance company will try to recover payments from the insurance company covering the party at-fault. 

If you have experienced water, fire or biohazard damage to your home that was caused by a third party, our staff can help you work with your homeowners insurance company in determining who is responsible for the damages. As a first responder to your disaster, we are trained to identify and save evidence that may assist your insurance company in recovering costs.  

If you have a dishwasher leak due to faulty installation at your New Haven County home, call us at (203) 301-0500. We will come to your home to start the restoration process and our office staff will help guide you through the insurance claims process.