How am I able to contact my neighbor’s home insurance company?

UPDATED: Jun 24, 2013

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UPDATED: Jun 24, 2013Fact Checked

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Asked June 24, 2013

1 Answer

Home insurance is treated a little differently than other types of personal liability insurance. The policy owner, not a claimant, is the one who files a claim against the policy. Because of this, it is rarely necessary to contact a homeowner's insurance company directly, and there is no easy method of contacting a neighbor's insurance company. If the neighbor has a claim to file, they will contact the insurance company.

If you need to contact a neighbor's insurance company for some other reason, such as to notify them of suspected fraud, you can try a few tactics, but there are not any guaranteed results. Start with your own insurance company and let them know the nature of the complaint. If you have a legitimate claim to file, the insurance company would prefer you to claim against a neighbor's insurance than your own, and will be more inclined to give you assistance. Similarly, if some sort of insurance misconduct is suspected, your insurance may be interested in helping to prevent it. After all, your insurance company may even be the same one your neighbor uses.

If you a part of a homeowners association, contact them and notify them of the complaint. The HOA will usually have the insurance company of the home owners on file, and can initiate contact for you if necessary. Similarly, if you know the lending institution which owns the neighbor's mortgage, you can contact them. In both cases, the company or organization you contact is not required to reveal private information such as the insurance company being used.

Answered June 24, 2013 by Anonymous

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