I had At&t to install internet in my home! They had to run lines from the electric pole to the back of my house and where they installed the Internet main box it caught fire causing over $54,000 worth of damage to my house! And they are acknowledging the fact that they are at fault! Even though my homeowners insurance is doing everything( put us in a hotel and have now found us a rental until our house is repaired) and At&t will reimburse them for every dime they will spend on us!
Vendor will have insurance you should hire an attorney to file a claim immediately
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Anyone can sue anyone for anything. Your insurance company will have subrogation rights and therefore get paid first. Unfortunately, I doubt you'll find an attorney to file the suit on a contingency basis but you are free to call around. Sorry to hear about the situation.
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Can you sue? Sure, but you just might screw up your insurance coverage. As you pointed out, your insurer is paying for everything and going after AT&T for reimbursement. That is called a subrogation claim because your insurer is suing on behalf of you to recoup the money it paid out. If you sue AT&T and settle for what you call "inconvenience" that could be deemed to extinguish your insurer's right to pursue the money it paid to you to fix the home and a place to stay in the interim. You will have violated the clause in your policy whereby you promise not to impair the insurer's rights of subrogation. In that case your insurer would then turn around and sue you for every penny it spent on your claim.
Bottom line be very careful not to interfere with the insurance companies rights or you will be very sorry with the outcome.
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