I have never been able to get any concrete information the properties are leesehold and the building insurance is the same company. I believe it was a log burner he had in the living room that blew out whilst he was in the shower. There were 3 motorbikes being stored in his living room. The fire has gone down as an accident that is all i have been told.
Even if you had insurance, because this incident is through no fault of your own, you don’t actually have to claim on it.
If he has insurance, you do not claim on his insurance but you claim from him and he passes it on to his insurance company.
If he doesn’t have insurance then you sue him personally although if he has no assets, he may end up bankrupt and you may get nothing.
That really is all there is to it.
If you decide to use solicitors, they should be able to recover their costs from him. Try to find one therefore that will do this on a no win no fee basis.
Can I clarify anything for you?