Who pays the deductible for house insurance when a vehicle hits it?

ask: "Who pays the deductible for house insurance when a vehicle hits it?"

A vehicle hit our home causing extensive damage. the claim has been settled, however, one of the renovation companies , when they received their cheque from the adjusters, received their payment less the deductible. The renovation company has since been trying torecover the deductible from us. We have been trying to sort it out with the adjusters,(3 in the past year) with the understanding that the deductible should have been recovered from the party at fault. this is an ongoing dispute and now the company has gone to a collection agency, and we still believe we shouldn't be paying the deductible, which is a substantial amount since it wasn't even our fault to begin with. Who should be paying?

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If a person shattered my back window, then how much would my house insurance rate go up?

ask: "If a person shattered my back window, then how much would my house insurance rate go up?"

A person threw rock at my back window and it's roughly 6 foot by 3 foot. The rock shattered my entire window. The insurance will cover it, but how much will the rates go up?

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