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what should I do for my house fire damage caused by neighbor's house fire?

My house was destroyed by fire caused by neighbor's house fire(Townhouse) . My family couldn't live in for around one year before the house could be fixed. My monthly maintenance fee includes house structure insurance to fix my house. But because I didn't buy content insurance(property insurance), I have to pay rent and all the cost (including my house maintenance fee) during this period. My neighbor has content insurance, but we still haven't got investigation results yet. So his insurance company won't do anything for us before investigation results. Our codo-minum property manager said that because I didn't buy content insurance, so even I sue my neighbor, I won't win because in Canada I will be the loser all the time if I don't buy insurance. I need help for advise what should I do for my suffer and damage.
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  • 枫下茶话 / 法律 / what should I do for my house fire damage caused by neighbor's house fire?
    My house was destroyed by fire caused by neighbor's house fire(Townhouse) . My family couldn't live in for around one year before the house could be fixed. My monthly maintenance fee includes house structure insurance to fix my house. But because I didn't buy content insurance(property insurance), I have to pay rent and all the cost (including my house maintenance fee) during this period. My neighbor has content insurance, but we still haven't got investigation results yet. So his insurance company won't do anything for us before investigation results. Our codo-minum property manager said that because I didn't buy content insurance, so even I sue my neighbor, I won't win because in Canada I will be the loser all the time if I don't buy insurance. I need help for advise what should I do for my suffer and damage.
    • If investigation reveals that your neighbor causes the file, of course you would win. But the question is whether your neighbor bought liability insurance or not. Otherwise s/he can default or you will have trouble getting your $.
      Content insurance =/= liability insurance.
      • My neighbor do have content insurance. His insurance agent do call and said by now all of us are waiting for investigation results. I do want to know if I should start to find lawyer right now or later?