- Dec 16, 2007
The week of Christmas, our basement flooded. Apparently, our neighbor (
Now, normally this would be an "oh s***" situation...but my frusteration becomes an issue because this also happened the year before. So, two years in a row, he has flooded our property for the same reason!
Now, to be fair, the year before, he had been very sick...in and out of the hospital all Fall. When he did return home, we was bed ridden and never bothered to ask his full time live in nurse to open the door to the basement allowing the proper amount of heat to circulate. At the time, we were incredibly frusterated with him and the situation, but lucky since we had just started our basement remodel and the room was essentially empty of "soft" material like carpet...although the first flood did ruin many boxes, hockey sticks, and other things we had down there. After the first flood, our neighbor had cleaning crews in and out of his house...carpet replaced...the works all within a matter of days, yet never bothered to inquire about our mess even after my husband notified them that we took on water as well. Mark, God love him, let it slide--saying that clearly this man was very sick and we didn't loose anything we couldn't easily replace. We had to have walls torn down, rebuilt and repainted.
So, we let it go. All Summer we were warm and friendly...smiles, waves. All of this was in passing as he'd get on his motorcycle or head off with his girlfriend.
Then, we flood again. This time, our basement is finished. We'd put in tile...but we also had numerous area rugs that were waiting to be dotted around the house...we had furniture, I had Christmas presents. This time, things that mattered were ruined. It was devestating. Mark managed to get a clean up crew in quickly who dried out our walls...but the rest was loss. His insurance agent came by to assess the damage...took some rugs with him. And then, nothing. His insurance agent directed to our HOA to handle settling the issue. When we spoke with our HOA, they said that our neighbor is claiming to be bed ridden (which is a lie) and that we should cover our own damage because he didn't realize the we flooded.
Now, I don't think legally because "sick" is an excuse...but I don't know. And, on top of that...he is not bed ridden...bed ridden people don't ride Harleys, and go on weekend trips with their girlfriend. What should I do from here? Sue him for the damages? Go back to his insurance? Cover mine (which means paying a deductable)? I am so frusterated...and I would just let it go...but we're talking thousands and thousands of dollars worth of damage this time around....
ETA: I should mention that we also had to have electrical work done this time, since the basement does double duty as my husbands office too...so we had to replace a fried computer, and other office equpiment as well. Big bucks.