Legal Question in Real Estate Law in California
I was helping my mother inlaw move out of her condo. When I was disconnecting the washer hose from the spiget, the weld came loose inside the wall and the condo was flooded. I wasn't man handling the connector. It was a faulty weld joint, cause I tried disconnecting it just like anyone would.
Anyway, my mother inlaw's homeowner's insurance paid for the damage. But now, that insurance company is trying to file a claim on me to have me or my own homeowner's insurance pay for the damage. Am I responsible? I didn't give the my insurance policy and they threaten to sue me. What should I do? Thanks
2 Answers from Attorneys
You should give them your homeowner's insurance information, and also contact your insurance company as well. What in the world do you think you have been paying your premiums for? Let your insurance company decide whether to fight it - in which case they will pay for your lawyer if you get sued - or pay the claim. All you are doing is making a bad situation worse by not providing your insurance information and getting yourself sued.
Why are people so reluctant to get their insurance companies involved? Defense of claims is one of the major reasons why we have insurance, and the insurance companies are experts at fending off claims -- or paying them in the alternative. Yes, by all means, inform your insurer of the claim ASAP and also advise the claimant of your coverage.
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