Why did my home insurance rise when there was a fire next door?

We believe our neighbour’s negligence contributed but our insurer won’t recoup the costs

Last November the rented house next door caught fire while we were out. The tenant failed to call the fire service and the alarm was raised by staff at a nearby school. The tenant ran from the house, never to be seen again. Our period front door was destroyed, the bathroom flooded, carpets soaked and there was extensive smoke damage throughout.

The landlord of the next-door property assured us it would all be covered by his insurance.

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