My neighbours had a house fire that caught my house on fire and left us with damages. We had to pay the detucible of $500. The insurnce says that their insurance will not pay us back due to the fire was starting by a family member that was staying with them and they are not liable. The fire started from a lit smoke in a planter with peetmoss. How do I get my money back it was not my fault, Can I sue the family member?
