My neighbors built illegal deck and flooded my house 3 times!

[North Beach Person]

OP, have you alerted your locale's Code Enforcement department? They will play a part in the illegality of the deck as well as the issue with runoff. Wait, I see you have called them. You might not necessarily hear anything from them if they cite the offender. Call and ask if it's been over the 45 day limit.

A general rule is that one cannot direct runoff onto someone else's property.

[Dwatted Wabbit]

Originally Posted by gemstone1

Attorney.

Originally Posted by K'ledgeBldr

What costs more?

The biggest investment you ever made? (Hint: your house)

Or an attorney?

This doesn't require a gun to the head; and you certainly can't afford to wait for others to react. So, you put the gun to "their" head with civil suits.

Originally Posted by jacqueg

Yup. And not only do you want an attorney, you want one that specializes in these kinds of suits. Call your state bar association to find out who does. And then do a little research to find out their win record.

Legal representation makes all the difference, especially if your attorney has a reputation for winning.

Lawyer.

[oldtrader]

Originally Posted by Soaked View Post
Yes, I filed a claim with MY homeowners insurance company also. It was denied. My neighbor's insurance company has assumed liability already. It has already been determined that my neighbor is at fault. However, their insurance company is giving me a hard time and don't want to pay for all of the necessary repairs...or for example, they will not pay full price for a sheet of drywall. They are only paying the depreciated amount, which is ridiculous. My house is 30 years old. They told me I would have to come out of pocket for the remaining amount or file a lawsuit. I have very low income and shouldn't have to pay anything out of my own pocket. This is very stressful.

There are two types of home insurance, for both damages on your property, or damage you do to property of others.

One type is for cost to do the work, and this is to bring it back like new. The other is less expensive, and that is to restore back and pays a depreciated value. In other words, if a home is 40 years old, the condition of the home is 40 years of use. They will pay at a discounted rate or your 38 year old home as this company is offering.