A Contractor or Delivery Vehicle Damaged My Property. What Now?
Homeland Public Adjusters · Last reviewed: October 2026
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.
The general principle
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.
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 third-party work in Kendall, Pompano Beach and Union City.
Frequently asked questions
Whose insurance pays if a contractor or delivery truck damages my property?
Can I file a claim if I don’t have my own insurance on the damage?
What should I capture right after a vehicle damages my property?
This article is for general information only and is not legal or insurance advice. Every policy and every claim is different — always review your own policy language or speak with a licensed public adjuster about your specific situation.
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Yeni Martinez
Alberto Enriquez
Yisel DieguezHomeland Public Adjusters represents policyholders, not insurers. Get a free review of your claim.
Get a Free Claim ReviewThis topic often comes up alongside A Car, or a Plane, Hit My House. Who Pays?. If your situation involves this kind of loss, see our Third Party Uninsured Damage Claims page for how Homeland can help with the claim itself.
