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Yikes, that's a tough one. I would probably go ahead and file with your homeowner's policy and let them worry about getting the money from the plumbing company's insurer. I didn't do all that well in insurance law, but I *think* they can do that, and my gut instinct is that your premium shouldn't go up, since it wasn't your fault. Isn't that how it works with auto insurance? Like, if somebody hits you and runs, I think your premium is not supposed to go up because it's not an "at-fault" accident.
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