Direct Claim?
After a neighbor above me in our condo had three floods over recent years, my homeowners insurance dropped me. All the claims were subrogated and my insurance never had to pay out.
I now have a new policy with another carrier with a much higher deductible and premium.
Well, forward to yesterday and there was another flood. This time the damage, after the AOAO brought in and covered the mitigation, only amounts to a couple of hundred dollars.
I really don't want to file a claim through my insurance to recover that amount and have it on my record. Should I contact his insurance directly? Looking for ideas here.