Liability for Fire Damage: Tips and Advice

Questioner

The neighbor had a fire in his apartment that spread to my apartment. The liability insurance, Klaverblad Insurance, refuses to pay out 'Our insured lives in a rental home. A short circuit occurred in his home during the absence of our insured. The fire is not the result of unlawful acts/culpable acts of our insured.' The tenant had an illegal living space and installed the electricity himself. I don't know if it matters. Should I just accept this rejection?

Lawyer

It is possible that there is no coverage from the insurer in such cases, as is apparent from the policy conditions. The neighbor will then have to compensate your damage himself, as he can be held liable for damage to third parties. I advise you to hold him liable in writing and to collect as much evidence as possible. If you cannot reach an agreement, I would be happy to look at your case.