My neighbour has given me written assurance that their contractors are fully insured and will repair any damage to my property immediately. Surely this means that I am protected anyway?
This assurance is certainly a start, however even if the contractors are reputable, it is very easy for them to dispute whether they have caused certain types of damage, such as cracks to your walls or ceilings. Even if you take photographs of your property yourself, this is unlikely to provide sufficient neutral evidence in the event of a claim being made. Furthermore, insurance claims often take many months to settle and this may result in you having to either make a significant initial outlay to repair your home or leaving your property damaged for some time.
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