Does your ceiling leak? What to do when a neighbour’s property damage spreads to yours

Sometimes, the biggest property issue you can encounter isn’t inside the house. If you’re unlucky, the next-door neighbour or the one directly upstairs can be the source of infinite headaches, whether it’s in the form of a leak or, knock on wood, a fire.

If it’s a neighbour’s fire, this means that you better have some kind of insurance if all your stuff burns to ashes. Because it’s actually possible that your neighbour has none.Make sure you buy some kind of home content insurance. Your neighbour might be the type who lives pay check to pay check, with no savings or insurance.Say your contractor tells you the leak is coming from upstairs or next door.

The only way to get them to pay is to find some sort of proof, preferably a report by a contractor. You’ll want to act fast here, while all evidence regarding the source of the leak can be found.It’s not a “simple issue” of getting a contractor to look at the damage. Remember: A leak, crack, or electrical issue from next door means the contractor may need to see the neighbour’s unit.

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