Damaged by Someone Else, With No Coverage of Your Own?
Homeland Public Adjusters · Last reviewed: October 2026
Not every property owner has insurance on the damage they’ve suffered, but that doesn’t automatically mean there’s no path to being made whole, if someone else caused the loss.
The basic idea
If another party’s negligence caused damage to your property, such as a neighbor’s fire that spread, a contractor’s work that went wrong, or a vehicle that struck your property, a claim against that responsible party’s own liability insurance may be possible, even though you have no policy of your own on the damage.
How this is different from a first-party claim
You’re not filing against your own insurer under your own policy, you’re pursuing the at-fault party’s liability coverage, which means the claim has to establish both that the damage happened and that the other party was responsible for it.
Many property owners without insurance assume, understandably, that no insurance means no claim. Call Homeland to review a situation like this before assuming nothing can be done.
Homeland pursues third-party property claims for owners in Miami Lakes, West Palm Beach and Camden.
Frequently asked questions
Can I get paid for property damage if I don’t have insurance?
What do I need to prove in a claim against someone else’s insurance?
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.
