I have been advised that my insurance company cannot pursue a claim against my neighbour as negligence cannot be proved. Next door a pipe burst and flooded into my house. The tenants weren’t there, ( often aren’t), and I had to phone Places for People, ( which took hours and cost me money), to get the water turned off. They had it turned off about 3/4 hours later. Apparently, just because the neighbours weren’t there doesn’t mean there was any negligence. Also I don’t know what caused it to burst, and these two things mean negligence cannot be proved. All this means the cost will come entirely from my insurance.
Can anyone advise me if there is anything I can do? The letter says I can pursue a claim against the third party ( is that the tenant or P for P?) or insurer for my uninsured losses. Not sure what they would be.