Try to get insurance information from the contractor and neighbor. It will go smoother if you are dealing with an insurance adjuster than these individuals because adjusters are used to settling claims. If there is no insurance coverage for this event, things could get more difficult. You can sue the contractor, and perhaps the neighbor (although the neighbor may not be liable for the contractor's negligence) in small claims court. However, any judgment you obtain may be difficult to collect if there is no insurance. As far as replacing your items, you are entitled to the cost of repairing them, plus any diminished value caused by the accident, of the fair market value, whichever is less. Fair market value is what they would sell for used. You are not entitled to have the cost of replacing them with new items.
Answered on Oct 07th, 2013 at 12:13 PM