Building and contents insurance? Chase PN for insurance excess. If happens regularly then no longer accidental. Insurers may chase neighbour for costs of restitution. I have paranoid schizophrenic below me called A. She's not much of a problem to me. Just hear A arguing with herself, banging on the ceiling for ghosts of dead rellies to leave her alone, etc., etc. Else she's actually fine, and have a lot of time for her. R is in flat directly below A,and has been flooded by A (currently) 13 (lucky number) times. On one occasion R had to leave his flat for over a year. R has depression, is an alcoholic and has emphysema. I live below J. He's flooded me just once in 12 years. He's like an elephant most of the day, but at night he does try to be quiet. I count myself lucky.