Landlord insurance not paying for fire which burned our fence

[Varinder Kumar]

My neighbors home is rented out and it caught fire by fault if the tenants and because of it it burned our fence. We filed a claim with our insurance and provided all of the proof and documents they requested. So our insurance covered the expense for the new fence. But now the landlords insurance is stating it is not the landlords fault and it’s the tenants fault so we can’t go after the landlord. The landlord doesn’t have renters insurance. I don’t find this to be just. Because now our insurance is going to go up. It’s not fair and I think the landlord should be held liable. 

any advice on how to go about taking care of this? is this legal? Any help I would appreciate thanks 

[John Mocker]

Varinder,

Before you decide to do anything, call the adjuster who handled your claim and ask if the claim will be going to "Subrogation".  If they plan on subrogating (your insurance company goes after another insurance company).  If so, they will be doing the work for you.  If they recover anything they may also reimburse you for part of your deductible.