Q: Would you be able to help my defense of law suit against me re my neighbor's property damage for my winter pipe burst?
Hi, I am a home owner in Bridgewater, NJ. My next door neighbor's insurance company filed a law suit against me for her property damage from a winter pipe burst in my house in Jan 2019. My own damage was less than $10k per my condo insurance company, which is the deductible amount.
A:
Your own, or the HOA insurance company should be handling the defense of this case for you as it probably is a damage that is covered by insurance. Many people with a condo do not realize that they need to carry liability insurance to protect them from just this kind of incident. People assume the HOA carries the liability insurance to protect them, IT DOES NOT. You can also carry insurance to cover damage to your own property that is not covered by the deductible. $10,000 is a pretty high deductible. If you still need an attorney, look for a "premises liability" attorney here on Justia in your area. Go to them ASAP so that you do not get a default on any lawsuit.
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