"You can claim for damage from neighbours on your home insurance, but it's worth thinking about how this might impact your no-claims bonus and the cost of your home insurance excess"
- Leoni Moniska - Uswitch
From noise complaints to overhanging trees, neighbour disputes are common, and winter can intensify them. Colder months bring higher risks of burst pipes, heating fires, and storm damage, turning minor disagreements into expensive repairs. The London Fire Brigade reported 236 heating-related fires in 2024, with crews attending incidents caused by faulty heaters or candles almost daily in December and January.
Over 90% of Brits have experienced issues with a neighbour in the past 18 months, many of which start small but escalate. With this in mind, experts at Uswitch.com highlight the neighbour disputes most likely to cost thousands, particularly during winter when weather, heating, and hidden damage risks peak.
The costliest neighbour-related damages
1. Fire damage
Fires originating from a neighbour's property are more common in winter when households rely on heaters, candles, and other temporary heating solutions. Such fires can cause extensive damage, with the average cost for fire damage restoration in the UK ranging from £8,000 to £18,000, and more severe cases potentially exceeding this. Checking your home insurance policy for coverage of neighbour-related fire incidents is crucial, especially during colder months.
“It’s important to make sure your home insurance policy covers fire damage, including incidents that start in a neighbour’s property," explains Leoni Moniska, home insurance expert at Uswitch.com "Adding accidental damage cover can provide extra protection and peace of mind, especially if you live in attached homes or flats where a fire could easily spread from adjoining properties. If you’re unsure of what your policy does or doesn’t cover, check your contract or speak to your provider."
2. Japanese knotweed
This invasive plant (pictured) can cause significant structural damage to properties. Removal costs vary, typically ranging from £7,000 to £15,000 depending on the extent of the infestation. Homeowners should remain vigilant for Japanese knotweed on neighbouring properties, as it can compromise the integrity of their own home.
"Japanese knotweed is a serious issue that can cause long-term structural problems if left untreated. Regularly check your garden and neighbouring areas for early signs, and act quickly if you spot it. Early detection can make removal far easier and less costly, and it can prevent disputes over damage between neighbours,” advises Moninska.
3. Fallen trees
Neglected trees on a neighbour's property can fall and damage your home. The cost of removing a fallen tree can range from £700 to £2,500, depending on its size and location. Inspecting trees near property boundaries can help reduce potential risks.
“Trees can look healthy but still pose a risk, especially during storms or high winds," says Moniska. "Maintaining good communication with neighbours about tree maintenance is crucial. If a tree seems unsafe, consider getting a professional assessment to prevent it from falling and causing damage to your property or theirs."
4. Water damage
Leaks from an upper flat can lead to ceiling damage, with repairs typically costing around £2,000. Open communication with neighbours above your property can help resolve plumbing issues quickly.
“Water damage is one of the most common sources of neighbour disputes. Installing leak detectors in your home can catch problems early, and discussing plumbing or roof issues with neighbours can prevent minor leaks from becoming major repair jobs. Early action can save significant stress and expense,” said Moninska.
5. Fence damage
Outdoor fires, bonfires, and faulty heaters can threaten fences, sheds, or garden structures, particularly during winter. Repairing damage can cost up to £180 per metre, depending on materials and the extent of damage.
Monsika said, “Even in colder months, accidental fires from outdoor heaters, chimineas, or bonfires can cause unexpected damage. Always use these safely and well away from boundaries, and make sure you have the right home insurance in place to cover accidental fire damage to external structures like fences or sheds."
6. Window damage from accidental impacts
Accidents, such as a neighbour’s football breaking a window, can lead to repair costs from £30 for minor fixes to £1,500 for more extensive repairs, depending on the type and size of the window.
Moniska explained, “Even seemingly minor incidents like a ball breaking a window can cause tension. Discuss potential risks with your neighbours and consider practical solutions like installing protective barriers or agreeing on safe play areas. Small preventative steps can avoid accidents and costly claims.”
Steps to take if neighbour-caused damage occurs
Assess the damage: Document the situation with detailed photographs, written notes, dates, and descriptions. Clear records support claims or discussions with neighbours.
Communicate with your neighbour: Approach discussions calmly and respectfully. Many disputes can be resolved without involving insurers or legal action.
Review your insurance policy: Understand what is covered, including accidental damage and neighbour-related incidents. Note any exclusions or limits.
File a claim: Submit a claim to your insurer with photographs, repair quotes, and correspondence with your neighbour. Clear evidence can speed up the process.
Seek legal advice: If liability is disputed or damage is significant, a legal professional can clarify your rights and options.
“You can claim for damage from neighbours on your home insurance, but it's worth thinking about how this might impact your no-claims bonus and the cost of your home insurance excess. If damage occurs, speak to your neighbour first, and if they don't accept responsibility, speak to your insurer; they may still reimburse you. For larger claims, they may pursue your neighbour and their insurer later on. Neighbours are not automatically liable for damage to your property, so always contact your insurance provider to ensure you know what you are covered for,” said Moninska.
