How to get deductibles back

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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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UPDATED: Sep 23, 2013

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Insurance Question from Alexandria, VA

Asked on 09/23/2013

How to get deductibles back How do I get back deductible that I paid to my homeowner's insurance , after repair to my home. Intentional fire caused by my neighbor.

Answer given on October 08, 2013

If you had a house fire and your insurance company paid for the repairs, you are subject to the deductible on your policy, even if you did not cause the fire.If the cause of the fire was arson by another person, the insurance may try to subrogate for the fire damage from the other party. However, that person must first be proven to have caused the fire, and that may depend upon a criminal charge and conviction, unless that person has admitted causing the fire.If the person is proven to be at fault, then your insurance company may be able to obtain reimbursement, or partial reimbursement for the fire. If they are successful, they will refund your deductible, or a portion of the deductible. However, if they are not successful in getting any reimbursement, then they will not refund your deductible.

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