UNINSURED CLIENTS · VEHICLE & CONTRACTOR DAMAGE

A Contractor or Delivery Vehicle Damaged My Property. What Now?

By Nelson Avila, Licensed Florida Public Adjuster (License G332385) · Florida Certified Contractor · Property Insurance Appraiser & Umpire
Homeland Public Adjusters · Last reviewed: October 2026

Pickup truck crashed into a garage causing property damage

Contractors working at a neighboring property, delivery trucks, moving vans and service vehicles cause a specific, recurring kind of property damage, and because the damage wasn’t caused by the property owner at all, it’s often unclear at first whose insurance is even supposed to respond.

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The general principle

Short answer: When a contractor, delivery truck or service vehicle damages your property, the company responsible typically carries liability or commercial auto coverage meant for exactly that, separate from your own policy. Get the company name, vehicle and driver information before they leave the scene.

The company or individual whose vehicle, equipment or work caused the damage typically carries liability or commercial auto coverage meant to respond to exactly this kind of claim, separate from, and in addition to, any coverage you might have of your own.

What makes these claims harder than a typical liability claim

Getting accurate identifying information in the moment, such as company name, vehicle identification and driver information, before the vehicle or crew leaves the scene, and the fact that larger companies’ insurers often investigate and contest these claims more aggressively than an individual driver’s personal auto carrier would.

What to try to capture right away, if it's safe to do so: photos of the vehicle and any identifying markings, photos of the damage itself before anything is moved or cleaned, and the names of anyone who witnessed it, including other neighbors.

If you don’t have your own coverage on the damage, this is still a viable path, since the claim runs against the responsible company or driver’s own insurance, not yours. Call Homeland to review what happened before you try to resolve this directly with the company or driver involved.

Contractor and vehicle-caused losses are part of Homeland’s Florida third-party work in Kendall, Pompano Beach and Hialeah.

Frequently asked questions

Whose insurance pays if a contractor or delivery truck damages my property?

Typically the company or individual whose vehicle, equipment or work caused the damage, through their liability or commercial auto coverage, separate from any coverage you have of your own.

Can I file a claim if I don’t have my own insurance on the damage?

Yes. The claim runs against the responsible company or driver’s insurance, not yours, so it’s still a viable path.

What should I capture right after a vehicle damages my property?

If it’s safe: photos of the vehicle and any identifying markings, photos of the damage before anything is moved or cleaned, the company name and driver information, and the names of any witnesses.

This article is for general information only and is not legal or insurance advice. Every policy and every claim is different — call Homeland. We review your policy language with you at no cost.

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