Water damage caused by Verizon FiOS installation in our property. What next?

[ChristineVA]

Verizon installed FIOS and ruined by driveway. It was not evident until a few months later (after a freeze). A whole section of the driveway "heaved" upwards. I had a devil of a time getting it paid for. I worked through Verizon and they worked through to their subcontractor. They came out, dug up the entire strip of damaged driveway, and laid new asphalt. Quite honestly, I wanted the driveway replaced because it's just not right anymore. But I would have had to lawyer up for that.

[robbobobbo]

Originally Posted by TechlawyerinPG

I own an investment condo and can confirm that the master policy only covers the rebuilding of the exterior, common areas and overall building as a whole. It does not cover rebuilding the walls inside your unit, your appliances, flooring etc. You need your own policy to cover this, your belongings and also any water damage in your unit from leaks etc. (leaking of neighbors pipes being a common condo issue). I have my own policy and require my renters to get one also.

In this case, damage stems from potential negligence by a 3rd party, which caused an exterior feature to damage the unit's interior. An installer breaking a pipe is a different situation from a pipe leaking due to old age. There is culpability.

I owned and lived in a condo when a room flooded during a heavy rainfall, due to a defect with the building's exterior. Water was streaming down inside the walls and then into my unit. The management company fixed the exterior defect, as well as cleaned and fixed damage on the inside of my unit. I did not have to file an insurance claim, even though I carried homeowner's insurance.

Without having an insurance policy presents a problem, because instead of having them do the work of pursuing a claim, it appears the owner will have to get a lawyer to file a lawsuit.