Hello and thank you for contacting us. This is Dwayne B. and I’m an expert here and looking forward to assisting you today. If at any point any of my answers aren’t clear please don’t hesitate to ask for clarification. Also, I can only answer the questions you specifically ask and based on the facts that you give so please be sure that you ask the questions you want to ask and provide all necessary facts. Please note: This is general information for educational purposes only and is not legal advice. No specific course of action is proposed herein, and no attorney-client relationship or privilege is formed by speaking to an expert on this site. By continuing, you confirm that you understand and agree to these terms.
Yes, most homeowner's policies I have seen would cover this under the liability section. What I would suggest you consider is hiring a local lawyer to send them the initial notice of claim letter letting them know what happened and telling them that if they want an adjuster to take pictures, tec they need to send them out.
There is no "legal" reason to have a lawyer at this point but realistically insurance companies make their money from being able to keep premiums and not pay claims so the more protection you have the better. The lawyer will be able to phrase the letter n such a way that it protects you, puts them on the hook, and will be good evidence should you ever have to sue the insurance company.
The cost for this service should be minimal, the amount will depend on a great many variables, and you want to use a local lawyer so that the insurance company know they are prepare to file a lawsuit if it becomes necessary.
You can find a lawyer to assist you by going to www.lawyers.com and in the section for Area of Practice enter Civil Litigation or Consumer Law. Either of those will have the skill set you need.
If your question has been answered then I'd offer my best wishes to you and ask that you please not forget to leave a Positive Rating so I receive credit for my work.
Of course, please feel free to ask any follow up questions in this thread. I want to be sure that all of your questions are answered. In addition, once you issue your Positive Rating the question will lock open and no longer time out so you can come back to it anytime in the future if you think of any follow ups.