California E&S Insurance

I can't speak to the insurance liability aspect of this situation, but it is really expensive to litigate a case as an individual. His insurance company certainly isn't coming after you with basically zero evidence that you caused any damage. Attorneys get prospective clients all the time who want to sue, then when the lawyer explains the costs and in the weakness of a case like this in particular, the litigation happy person's bubble bursts. Unless they want to go on a Kamikaze mission, it's untenable. And good luck going against an insurance company with a flimsy case. They'll destroy you. Your neighbor is delusional, and nothing is going to change that. I believe your policy will require you to inform the insurance company of a potential claim. Failure to do so may be a breach of contract and lead to a denial. Just asking about theoretical situations can cause a company to drop you, which is bullshit. It's a rock and a hard place, but you have no choice. I'm in Houston, and the weather is causing our rates to skyrocket. I know insurance companies are losing their asses in California, so they are going to look to drop you for anything.

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