By Sarah Macklin 
From noisy parties to overgrown hedges, most of us have had a run-in with our neighbours at some point, and new research shows just how common it is.
According to Uswitch, a huge 90% of Brits have had issues with a neighbour in the past 18 months, and many of those disagreements have the potential to turn costly, particularly in winter.
As the weather gets colder, so do relationships between neighbours, it seems. The winter months bring a rise in fire, water, and storm damage, often triggering disputes when one property’s problem spills into another.
The London Fire Brigade reported 236 heating-related fires in 2024, with crews attending incidents caused by faulty heaters and candles almost daily in December and January.
So what are the most expensive neighbour-related damages to look out for and how can you make sure your home (and wallet) are protected?
The costliest neighbour disputes
Fire damage
With households relying more on heaters, candles, and open flames in the colder months, the risk of fire increases dramatically. If a fire starts next door and spreads to your property, the cost to repair it can be eye-watering, anywhere from £8,000 to £18,000, or even more in severe cases.
Home insurance expert Leoni Moninska of Uswitch says:
“It’s important to make sure your home insurance policy covers fire damage, including incidents that start in a neighbour’s property. Adding accidental damage cover can provide extra protection and peace of mind, especially if you live in attached homes or flats where a fire could easily spread.”
It’s also worth remembering that fire damage isn’t just about the flames. Smoke and soot can cause long-term staining and odours that require professional cleaning. And if your home is deemed unsafe, you might need to pay for temporary accommodation. Many home insurance policies will cover “loss of use” costs like hotel stays, but it’s crucial to double-check your level of cover before the colder months hit.
Japanese knotweed
This invasive plant might look harmless, but it can wreak havoc on foundations and walls. Removal costs usually range from £7,000 to £15,000, depending on how established the infestation is.
Moninska warns:
“Japanese knotweed is a serious issue that can cause long-term structural problems if left untreated. Regularly check your garden and neighbouring areas for early signs. Early detection can make removal far easier and less costly.”
Japanese knotweed spreads underground through rhizomes (root systems) and can grow through tarmac, concrete and brickwork. Mortgage lenders take it very seriously. If knotweed is present, it can make it harder to sell or remortgage a property unless there’s a management plan in place.
If it’s growing on a neighbour’s land, they’re legally responsible for controlling it, and you may be able to take civil action if it spreads onto yours. However, the best approach is to work together and tackle it through a professional removal service.
Fallen trees
A tree that’s seen better days on your neighbour’s side could spell trouble for your roof or garden fence. The cost to remove a fallen tree varies between £700 and £2,500, depending on the size and location.
“Trees can look healthy but still pose a risk, especially during storms,” says Moninska. “Maintaining good communication with neighbours about tree maintenance is crucial. If a tree seems unsafe, consider getting a professional assessment.”
You’re generally responsible for trees on your own property, but if a neighbour’s tree damages your home, your insurer may pursue them for costs, provided negligence can be proven. If branches or roots cross your boundary, you’re allowed to trim them back (to the boundary line), but the cuttings legally belong to your neighbour, so don’t just toss them in your green bin! Always speak to them first to avoid unnecessary tension.
Water damage
If you live in a flat, a leak from the neighbour above could quickly become your problem. Ceiling repairs can easily cost around £2,000, and that’s before you factor in damp or mould treatment.
“Water damage is one of the most common sources of neighbour disputes,” Moninska explains. “Installing leak detectors can help catch problems early, and open conversations with your neighbours can prevent minor issues from turning into major repair jobs.”
Leaking pipes, blocked gutters, or poorly sealed roofs can all cause hidden moisture issues that might not show up until they’ve caused real damage.
In converted properties or older buildings, shared roofs and plumbing systems are often grey areas when it comes to responsibility. It’s a good idea to have clear written agreements (or at least open discussions) about maintenance costs. If a neighbour’s negligence causes water damage, their insurance may be liable, but it can be tricky to prove, so document everything carefully.
Fence damage
Bonfires, outdoor heaters and even small garden fires can sometimes spread further than intended. Repairing fences or sheds can cost up to £180 per metre, depending on materials and damage.
“Always use outdoor heaters and bonfires safely and well away from property boundaries,” says Moninska. “And make sure your insurance covers external structures like fences and sheds.”
It’s also worth checking who actually owns the fence. Many disputes start because neighbours assume responsibility lies on one side. Your property deeds will usually show which boundary is yours to maintain. If damage occurs, try to discuss repairs fairly; even if your neighbour caused it accidentally, insurers often recommend resolving small claims amicably to avoid premium increases.
Broken windows and accidental impacts
It’s not all dramatic disasters. Sometimes a stray football or misfired garden tool is enough to cause a dispute. Window repairs can range from £30 to £1,500, depending on the extent of the damage.
“Even seemingly minor incidents like a ball breaking a window can cause tension,” says Moninska. “Discuss potential risks with your neighbours and take practical steps like setting up safe play areas to avoid accidents.”
If damage is caused by a child or guest, liability can be a bit of a grey area. Most home insurance policies include accidental damage cover for incidents caused by household members, but they won’t necessarily pay out for someone else’s mistake. It’s always best to try to settle small issues directly with your neighbour before involving insurers, not just to keep things civil, but to avoid affecting your no-claims discount.
What to do if your neighbour causes damage to your property
Accidents happen, and while nobody wants to end up in a full-blown row, knowing what to do can make a huge difference.
1. Assess and document the damage. Take clear photos, jot down notes, and record dates and times. This evidence will help with insurance claims or any later discussions.
2. Talk to your neighbour. Most issues can be resolved with a calm chat. Avoid confrontation and try to find a solution together.
3. Review your home insurance. Check exactly what’s covered, especially for accidental or neighbour-related damage. It’s better to know now than during an emergency.
4. File a claim if necessary. Provide your insurer with evidence, repair quotes, and any relevant communication with your neighbour.
5. Get legal advice if things escalate. If liability is disputed or the damage is significant, a professional can help you understand your rights and next steps.
Moninska adds:
“You can claim for damage from neighbours on your home insurance, but it’s worth thinking about how this might impact your no-claims bonus and the cost of your excess. If your neighbour won’t accept responsibility, your insurer may still reimburse you and then recover the costs from them later.
“Neighbours aren’t automatically liable for damage to your property, so always speak to your insurance provider to make sure you’re fully covered.”
