How do you file a claim against someone elses homeowners insurance?

Answer 1

Generally you don't. Homeowners insurance is property hazard insurance that is specific to the "named insured" homeowner(s) from certain losses incidental to home ownership.

If the homeowner agrees that he or she is liable for your loss, the homeowner can just file a loss notice with his or her insurer. The insurer would then contact you (generally within 72 business hours) to process your claim.

Contrary to popular belief, A property owner is not automatically liable for anything that happens on ones property. The injured party will need to prove that the homeowner actually caused the accident (simply being the owner does not make them liable) through direct action or through in-action (negligence).

If the homeowner disagrees that they are liable for your loss, then that is a matter you may choose to take up with an attorney in a competent court.

If the homeowner purchased liability insurance with his or her policy ( many do not ) , that portion of his policy would provide coverage for the cost of the insureds legal defense team as well as any resulting judgments of legal liability.