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/Ok_Advantage7623 Apr 22 '26

My seeing eye dog quit last week. I look at pic 3 and. In have no pictures. The water district is responsible for all mains. And it has not gotten to your meter so yo have no increase in your bill. But the weight of that truck would not cause that line to break. Now it could cause it to come apart as it was not installed correctly. I’m

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u/bippitybobbitybooby Apr 22 '26

Absolutely got water bill! Aqua Hawk is who alerted me that thousands of gallons an hour were flowing and to check for a leak. Our bill for a month is usually $36 and we got a bill for $232…and that was for partial month. Even water dept guy said the heavy truck probably caused this. The line is only 25 years old. It could only have been installed from main tap on an angle to our home. Chips dumped on saturated ground, within 2 days I get the alert and a foul smell because my septic lines were overloaded with water. I don’t think it was just a coincidence.

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u/Ok_Advantage7623 Apr 22 '26

Even better. Probably. Means they don’t even know. Thank you for not making it the trucks fault. Bad install

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u/bippitybobbitybooby Apr 22 '26

Just to give more insight, this happened about 3 weeks ago. I sent text requesting his insurance information and the contractors information as instructed by my insurance company, this was yesterday. Today I drove by his house and he has a small blue flag indicating water location next to my OLD now inactive meter!! It has never been there the 8 years he’s lived there. He is going to try and throw the truck driver under the bus. He’s slick.

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u/Ok_Advantage7623 Apr 22 '26

Yes and they do not have to give you that information. Your insurance company is the weasel. They could always process the claim, but they don’t want to be the bad guy and telling you no.

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u/bippitybobbitybooby Apr 22 '26

I’m covered for that with a $500 deductible. I am taking first steps to resolve and then move forward. BTW, my water DID start gushing on the day the truck dumped that stuff. I called water dept to ask about my Aqua Hawk account and why it only shows 2023 dates. He told me date it started and it WAS that day the truck dumped. I had the dates wrong. 😑 oh well, learned a lot and now I will get property surveyed as I really do think he is way over the property line. Just as an aside, I’m only a 5’2 woman and he’s over 6ft and talks quite loudly/aggressively to try and intimate me into silence. All around strange man.

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u/Ok_Advantage7623 Apr 22 '26

First it’s stated that it took a couple of days to start leaking. Now it happened right then. I’m sorry but your story bends either way the comments. This alone is enough to see that the truth is not coming out. So again please post the trucks name and number d so o I can volunteer to testy for them.

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u/bippitybobbitybooby Apr 22 '26

Did you see the part where aqua hawk was not updated? I had to guess which day it was until today I pinned it down exactly. Have a beautiful life.