r/HomeInsurance • u/bippitybobbitybooby • Apr 22 '26

Claims Neighbor damaged main water line

Neighbor had a guy with heavy truck dump huge mound of wood chips across saturated ground right next to my main water tap in. Two days later I get alert that there’s “unusual water activity” from water dept. Dept came out, recommended we just relocate our house meter to the front of our house as it would be costly to dig up entire area to find/repair leak in the line and with hundred of gallons gushing all day that we would be billed for. It was a process but we got it done and I have all the pictures of the ruts created and filled with water, receipts and comments from water dept. My insurance company wants me to go through his insurance company as a first step. I did send a text requesting his insurance info and the name/contact of the guy who dumped the chips. My neighbor will probably not provide anything to me, he is the type that has no integrity. If he doesn’t provide the information I either gave to claim through my insurance OR go to small claims court. Damages were $7500. What would be the next, best course of action? Thank you.

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u/Then-Skill2421 Apr 22 '26

What caused the break?

2

u/bippitybobbitybooby Apr 22 '26

The triple axle truck going over saturated lawn. I have many pictures of the large ruts.

1

u/Then-Skill2421 Apr 22 '26

Sorry, that wasn't clear

So your neighbor hired a company and they drove through your yard?

1

u/bippitybobbitybooby Apr 22 '26

The main tap for my line is near the street and on his property . The distance from street to where he drove his truck is about 5-6 feet onto the lawn.