Thank you for your reply.
I have never heard anything like this and am wondering if perhaps you spoke to an insurance representative who was inexpereinced, or if perhaps you misconstrued their words.Your insurance cannot sue you.
For that matter, you generally can't go after your own insurance company to obtain compensation for injuries you sustained in your home, as most home owner's insurance policies expressly EXCLUDE the owner from coverage.
The purpose of home owner's insurance is to protect you from lawsuits that others
may file against you for damages they incur on your property. You can sue the remediation team, and perhaps you would have a claim against them for negligence
, but again, it would make absolutely no sense for your home owner's insurance policy to counter sue you in response. Your insurance doesn't even have anything to do with the dispute--it's between you and the remediation team and whatever insurance they may have.
So, to answer your question precisely, there's absolutely no way you can be sued by your own home insurance (whose sole responsibility to to DEFEND you in lawsuits) if you sue a third party. Your lawsuit is between you and that third party. If the third party had some grounds to counter sue you (which I do not foresee based on your facts), that again would be between you and them. Your own insurance has nothing to do with it.
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to let me know if you have any questions or concerns regarding the above and I will be more than happy to assist you further.
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