Common neighbour disputes that could cost you thousands and how to protect your home insurance

THE COSTLIEST NEIGHBOUR-RELATED DAMAGES

1. FIRE DAMAGE 

Fires originating from a neighbour's property are more common in winter, when households rely on heaters, candles, and other temporary heating solutions. Such fires can cause extensive damage, with the average cost for fire damage restoration in the UK ranging from £8,000 to £18,000, and more severe cases potentially exceeding this. It’s crucial to check whether your home insurance policy covers these incidents, particularly those linked to winter heating hazards.

Home insurance expert Leoni Moninska, comments:

"It’s important to make sure your home insurance policy covers fire damage, including incidents that start in a neighbour’s property. Adding accidental damage cover can provide extra protection and peace of mind, especially if you live in attached homes or flats where a fire could easily spread from adjoining properties. If you’re unsure of what your policy does or doesn’t cover, check your contract or speak to your provider."

2. JAPANESE KNOTWEED

This invasive plant can cause significant structural damage to properties. Removal costs vary but can be substantial, especially if excavation is required. The cost of Japanese knotweed removal typically ranges from £7,000 to £15,000, depending on the extent of the infestation. Homeowners should be aware of the presence of Japanese knotweed on neighbouring properties, as it can compromise the integrity of their own property.

"Japanese knotweed is a serious issue that can cause long-term structural problems if left untreated. Regularly check your garden and neighbouring areas for early signs, and act quickly if you spot it. Early detection can make removal far easier and less costly, and it can prevent disputes over damage between neighbours."

3. FALLEN TREES

Neglected trees on a neighbour's property can fall and cause damage to your home. The cost of removing a fallen tree can range from £700 to £2,500, depending on the tree's size and location. Regularly inspect trees near property boundaries to mitigate potential risks.

"Trees can look healthy but still pose a risk, especially during storms or high winds. Maintaining good communication with neighbours about tree maintenance is crucial. If a tree seems unsafe, consider getting a professional assessment to prevent it from falling and causing damage to your property or theirs."

4. WATER DAMAGE

Leaks from an upper flat can lead to ceiling water damage. Repair costs for such damages typically cost £2000. It's advisable to maintain open communication with neighbours living above to address any plumbing issues promptly.

"Water damage is one of the most common sources of neighbour disputes. Installing leak detectors in your home can catch problems early, and discussing plumbing or roof issues with neighbours can prevent minor leaks from becoming major repair jobs. Early action can save significant stress and expense."

5. FENCE DAMAGE

Outdoor fires, bonfires, and even faulty outdoor heaters can pose a risk to nearby fences, sheds, or garden structures, particularly during the colder months when people may use them for warmth or seasonal gatherings. Repairing damage to a fence or outbuilding can cost up to £180 per metre, depending on the materials and extent of the damage.

"Even in colder months, accidental fires from outdoor heaters, chimineas, or bonfires can cause unexpected damage. Always use these safely and well away from boundaries, and make sure you have the right home insurance in place to cover accidental fire damage to external structures like fences or sheds."

6. WINDOW DAMAGE FROM ACCIDENTAL IMPACTS

Accidental impacts, such as a neighbour's football breaking a window, can lead to repair costs. The average cost for window repairs in the UK typically ranges from £30 for minor fixes to £1,500 for more extensive damage, depending on the type and size of the window.

"Even seemingly minor incidents like a ball breaking a window can cause tension. Discuss potential risks with your neighbours and consider practical solutions like installing protective barriers or agreeing on safe play areas. Small preventative steps can avoid accidents and costly claims."

STEPS TO TAKE IF NEIGHBOUR-CAUSED DAMAGE OCCURS

1. Assess the Damage: Document the situation thoroughly with detailed photographs and written notes. Include dates, times, and descriptions of the damage to create a clear and accurate record that can support any claim or discussion with your neighbour.

2. Communicate with Your Neighbour: Approach the conversation calmly and respectfully. Many disputes can be resolved amicably without involving insurers or legal action if both parties communicate openly and constructively.

3. Review Your Insurance Policy: Check your home insurance carefully to understand what is covered, including accidental damage and neighbour-related incidents. Pay attention to any exclusions or limits that might apply.

4. File a Claim: If the damage is covered, submit a claim to your insurer with all supporting documentation, such as photographs, repair quotes, and any correspondence with your neighbour. Providing clear and complete evidence can help speed up the claims process and increase the likelihood of a successful outcome.

5. Seek Legal Advice: If your neighbour disputes liability or the damage is significant, consult a legal professional. Expert advice can clarify your rights, outline your options, and help you avoid unnecessary conflict.

Leoni Moninska, home insurance expert at Uswitch.com, comments:

“You can claim for damage from neighbours on your home insurance, but it's worth thinking about how this might impact your no-claims bonus and the cost of your home insurance excess. If damage occurs, speak to your neighbour first, and if they don't accept responsibility, speak to your insurer; they may still reimburse you. 

For larger claims, they may pursue your neighbour and their insurer later on. Neighbours are not automatically liable for damage to your property, so always contact your insurance provider to ensure you know what you are covered for.”