Hello, we had a very large apartment fire occur right behind our house. We share a common fence line with the apartment complex but we both have separate fences (One six foot fence and one 12 foot high fence). The tenants of the apartments along with the fire department cut and tore down their fence along with two of my fences to create an evacuation route for the tenant and their cars. They drove through the hole in the fences through my back yard out to the front yard into the street. I understand completely why they did this but question the location. As just down the fence line 40 yds. or so was a part of the fence that dumped right out into the street. They destroyed two of my fences along with the grass from the front to back. The fire department is immune to any liability and the apartment complex is blowing me off and will not give me the name of their liability insurance provider. So, I feel really stuck and am not sure what to do and can’t afford my premium on my own insurance or to pay out of pocket for the repairs. More importantly I do not think it is reasonable or fair for me to have to pay for this. Thank you any advice would be appreciated.

About The Expert

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.