A fire in my neighbors house damaged the vinyl siding on one side of my home. Who is responcable to replace my siding, and how much siding .

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 29, 2011

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Insurance Question from Baltimore, MD

Asked on 03/29/2011

A fire in my neighbors house damaged the vinyl siding on one side of my home. Who is responcable to replace my siding, and how much siding . If they can not get my siding or a color to match am i entitled to have my whole house sided.If so again who is responsible to pay my home owners policy or my neighbors policy.

Answer given on March 30, 2011

Since the fire was at your neighbor’s home, the insurance company for your neighbor should pay for the damages to the siding.  It is possible that  your insurance company will pay for the damages and then subrogate against the other company.  However, if you decide to go that way, your deductible will apply until your company can get reimbursed. 

The amount of siding to be replaced is dependent upon whether the siding can be matched.  If it cannot be matched, then the insurance company will have to replace at least the entire side, and possibly the entire house. 

You should contact your neighbor’s insurance company and discuss the entire issue.  They should be willing to work quickly with you.  If not, talk to your insurance agent and see if you can file a claim with your insurance company.  However, the least expensive way for you is to work with the other insurance company.

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