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Old 05-14-2021, 09:16 AM
 
Location: Phoenix, AZ
3,640 posts, read 1,909,986 times
Reputation: 9560

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Quote:
Originally Posted by MikeJaquish View Post
So... The garage burns down with the OP's extension cord in the neighbor's outlet.
Whose insurance pays?

A's insurance will pay for the damage to A's side of the garage.
B's insurance will pay for the damage to B's side of the garage.
If A's negligence caused the fire then B's insurance (upon proving negligence) will seek reimbursement (subrogation) from A's insurance.


Did you really need an insurance analysis or were you just being sarcastic? I didn't see anybody suggesting that OP run an extension cord to the neighbor's outlet.
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Old 05-14-2021, 09:45 AM
 
Location: Rochester, WA
9,253 posts, read 5,971,705 times
Reputation: 24847
Quote:
Originally Posted by MikeJaquish View Post
So... The garage burns down with the OP's extension cord in the neighbor's outlet.
Whose insurance pays?

I would want it separated myself, whether I was OP or neighbor.
Common sense and good neighbor relations.

I don't think anyone is suggesting an extension cord to the neighbor's outlet. That wouldn't solve the first issue, let alone the second.
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Old 05-14-2021, 09:55 AM
 
Location: Salem, OR
14,831 posts, read 36,131,566 times
Reputation: 14946
Quote:
Originally Posted by MikeJaquish View Post

I would want it separated myself, whether I was OP or neighbor.
Common sense and good neighbor relations.
It also might be that she wants the OP off her service because she is thinking of selling in a couple of years and knows this arrangement will be problematic for buyers.
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Old 05-14-2021, 09:55 AM
 
1,779 posts, read 844,258 times
Reputation: 6354
It might be helpful if we knew who owned the d*mn garage... and how it's owned. Does one person own all of it? Does each person own a distinct 1/2 of it? Or does each owner own a half share in ALL of it?

Again, the devil is in the details and there are far too many missing details here. I'm out of this guessing game unless/until the OP posts some relevant facts.
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Old 05-14-2021, 10:17 AM
 
Location: Cary, NC
37,824 posts, read 65,676,102 times
Reputation: 38241
Quote:
Originally Posted by Diana Holbrook View Post
I don't think anyone is suggesting an extension cord to the neighbor's outlet. That wouldn't solve the first issue, let alone the second.

Not a suggestion.
A question. Since all the service to the garage is currently the neighbor's, who is responsible for damage due to a fire from an electrical issue?
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Old 05-14-2021, 12:46 PM
 
1,834 posts, read 1,413,617 times
Reputation: 3983
You may be able to easily resolve this with your current neighbor, but I'd be more concerned about what a future owner might do. They could simply decide to turn off the circuit breaker and you'd be SOL. Without knowing anything about the physical layout it's hard to say if it would be simple (cheap) to run a separate feed from your house. That's what I'd do to make this a non-issue.
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Old 05-14-2021, 01:02 PM
 
Location: Rochester, WA
9,253 posts, read 5,971,705 times
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Quote:
Originally Posted by MikeJaquish View Post
Not a suggestion.
A question. Since all the service to the garage is currently the neighbor's, who is responsible for damage due to a fire from an electrical issue?

I guess I'd want to have a talk with my insurance agent to see if they would even cover a jointly owned structure, regardless of electrical hookup.

It's an unusual circumstance, for sure.
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Old 05-14-2021, 02:06 PM
 
Location: Raleigh
11,074 posts, read 8,457,396 times
Reputation: 15686
Quote:
Originally Posted by MikeJaquish View Post
So... The garage burns down with the OP's extension cord in the neighbor's outlet.
Whose insurance pays?

I would want it separated myself, whether I was OP or neighbor.
Common sense and good neighbor relations.
Quote:
Originally Posted by MikeJaquish View Post
Not a suggestion.
A question. Since all the service to the garage is currently the neighbor's, who is responsible for damage due to a fire from an electrical issue?
I would think it's no different than a falling tree. Absent negligence, my insurance pays for my stuff, you for yours.

In any case, I don't see what the huge deal is. Assuming OP's house is like most of them, one walks into the home from the garage and there's a lightswitch right there, that turns on the light in the entry hallway or mudroom or whatever. Given that it's only a light, and the garage door motor, it shouldn't be overly complicated to run wire to that existing circuit.

Quote:
Originally Posted by Diana Holbrook View Post
I guess I'd want to have a talk with my insurance agent to see if they would even cover a jointly owned structure, regardless of electrical hookup.

It's an unusual circumstance, for sure.
THe jointly owned structure isn't that big of a deal, it's not different than a townhouse. Actually, it is a townhouse most likely.
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Old 05-14-2021, 02:50 PM
 
Location: Rochester, WA
9,253 posts, read 5,971,705 times
Reputation: 24847
Quote:
Originally Posted by JONOV View Post
THe jointly owned structure isn't that big of a deal, it's not different than a townhouse. Actually, it is a townhouse most likely.

That could be. They said detached garage, I've been having a hard time picturing that.
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Old 05-14-2021, 03:42 PM
KCZ
 
2,879 posts, read 1,711,284 times
Reputation: 7828
Quote:
Originally Posted by Chas863 View Post
It might be helpful if we knew who owned the d*mn garage... and how it's owned. Does one person own all of it? Does each person own a distinct 1/2 of it? Or does each owner own a half share in ALL of it?

Again, the devil is in the details and there are far too many missing details here. I'm out of this guessing game unless/until the OP posts some relevant facts.



Exactly. If the garage is owned by one party, then s/he is responsible for the utilities in the absence of an existing rental agreement between the two saying otherwise. If this is a condo, or owned by another party, then it should be addressed in the condo regulations or lease. I agree with whoever said this should be straightened out because it will come back to haunt to OP eventually.
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