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yes he has 24 hour household care and has been diagnosed with Alzeimer 3 years ago.
just to calrify - the court never made the determination that he is incompetent - but the doctor's diagnosed him with mental disorder
Dear XXXXX,Thank you for your follow up.If the neighbor that causes flooding, was not adjudicated incompetent by the court than this neighbor would be personally responsible for any damages that are caused due to his negligence, if such neighbor does not have proper insurance to cover the damages.The co-op owner who has homeowner's insurance, can in fact file a claim with his insurance company for the flood damages and then the insurance company will subrogate such claim, by filing a lawsuit against the neighbor who has causes the damage.I wish you the best of luck!
thank you. So the doctor's statement that the patient has severe case of alzeimer would not help in this case --right?
In reality --- would the insurance company go after the alzeimer patient?
The co-op owner can only go after the alzeimer patient for the deductable on the owner insurance policy, but not on potential increase in the insurance premium because of the claim -- right?