‘I rent an apartment in a duplex in Eau Claire WI. My mother owns the building and I rent from her.
The neighbors have been trouble for years with their pit bull doing it’s business in my yard. I put up a temporary flimsy fence and the tenants at the duplex next door destroyed it. I bought a new fence this =
year. The tenants next door have a SUV that started on fire which then ignited their rental house (the vehicle sits between our two houses). The fire department destroyed my fence putting out the fire. I contacted the home owners (landlord’s) insurance and they said it’s the tenants insurance that I should be contacting because their vehicle caused the fire. I called the vehicle insurance and they said it is the responsibility of the company that installed the speakers in the SUV that day. The insurance of the speaker people will not return my call. I was told by the vehicle insurance people and the home insurance people that they are not responsible for my fence. I want my fence replaced. Who do I go to? None of the three companies will let me file a claim. I would prefer not to get a lawyer for a 100.00 fence but I only bought the thing to keep their dog out and since I have already paid for two fences, I shouldn’t have to pay for another due to the fire next
door. Please advise.’

You do not have a policy with any of these insurance companies. Your claim is against the neighbors; either the landlord or the tenant. Their insurance company may step in and pay the claim, but that’s between them.

Of course, this could further deteriorate your relationship with the neighbors, so before you pull that trigger, you may want to consider whether it’s worth $100.