Hello my name is Alex and I will help you with this. Please note that I am a working Solicitor and may be on and offline as I have to attend Court and meet with clients, even at weekends. As such you may not get an instant response when you reply as this is not an ‘on demand’ live service, but rest assured I will be giving your question my immediate attention upon return. There is no need to wait here, you will get an email when I reply.
Their insured means the ex neighbour
The ex neighbour insurance company is taking you to Court.
If the fire caused damage you are liable
If you had been insured that would have covered the cost
This means that they are pursuing you for the cost of putting the work right
As it does not sadly the claim is agianst you.
I am sorry if this is not the answer you want and certainly not the one I want to give you, but I have a duty to be honest
Can I clarify anything for you about this today please?
Can you please help with the following:-
They had stated in their January letter that the insurance company was their client (‘Our Client’s Insured’) and that ‘they were instructed by the insurance company, the insurer of my neighbour’; but now their latest letter says that my ex-neighbour is their client (‘Our Client: Neighbour’, i.e., no mention of the insurance company). Does this mean that insurance company are no longer interested in this process and now my neighbour is trying to pursue this using the same claims company?
I was not told about the work being done otherwise I could have got an independent expert to determine if the damage to my neighbour’s property was indeed caused by fire in my previous home or it was a pre-existing issue. Also, none of my immediate neighbours suffered any damage. Does this mean that I have a strong case and claims company is unlikely to take me to court and they are just trying to bully me into paying up?
Then you could contest it on the basis they had failed to mitigate their loss. But you will be liable for some of the work.
Sorry what do you mean by 'mitigate their loss'?
They should get a number of quotes to get the work done and pick the cheapest
If this answers your question could I invite you leave feedback on my service which I hope has been excellent today, if you need more information or help then please click reply.
Please remember that I am always happy to help if you have future questions, even if I am in Court I can normally respond within a few hours. For future information, please start them with ‘For Alex W’.
Please bookmark my profile if you wish for future help: http://www.justanswer.co.uk/law/expert-alexwatts/