Nexuas

The rear quater of my car bears a number of dents and scuffs due to my next door's roof tiles parting company with their roof. Do I have to claim off my car insurance or will the damage be recovered from their home insurance?

They are not back from work yet so want to know the score before they come home and I mention it...

David Lock

Their home insurance should cover third party liability I would have thought? Is it obvious it was their tiles that did the damage? Take a photo or three anyway.

andys

hmm they might have a nice act of god clasue in the home insurance though

Nexuas

So I will claim off God's insurance, or can I get him an ASBO for lobbing roof tiles at my car?

Trout

iTrader: (1)

That was on TV last night - the man who sued God

GrahamG

Yes, i think you will have to contact your insurance and they will take it from there. Claim from them...

G.

Flaps

iTrader: (1)

Just got home to find our bin missing, plus those belonging to the people next door. Quite a few missing down the street too. If they took a flight they could have caused some damage! That's in Barnsley by the way. Been horrible up here today!

Clarebabes

Some of our roof ridge tiles have come off. Poo

Flaps

iTrader: (1)

Oh, just incase our bins have flown off my answer to your question is "No, I wouldn't claim against your neighbours, instead i'd suggest you should take them out for a drink and a nice chat!"

Nexuas

Been round and had a chat, they have sopken to their insurance company (Well listened to the recorded message) and they are not cover for storm damage to roof tiles...

Flaps

iTrader: (1)

But it's not the damage to the tiles that you are bothered about! I'd take it further!

nathanb

iTrader: (1)

I can back that up. A ridge tile fell from the roof of my house onto my spoiler. I rang house ins and they were'nt interested no matter who's car it was!! they told me its a car insurance jobbie!!

speedking

Your neighbour is not obliged to have house insurance.

stevebt

iTrader: (8)

if its a private property they have to have insurance to cover the building in case it burns down etc

alcazar

iTrader: (2)

Just today?

As a comic said last year, "I once broke down in Barnsley. I don't know why, I just started crying!"

Only joking, family was from round that way.............Wombwell, Mexborough, Wath on Dearne.

Alcazar

CharlesW

They are not obliged to have house insurance, but they are responsible for any damage to a third party's property, caused as a result of storm damage to their property. So, if they have no insurance you will have to claim recompense through the courts.

speedking

Only if others, e.g. a mortgage company, have an interest in the property. It is a condition of securing a loan against a property to ensure that you can always repay, not a legal requirement. HTH

MattN

If it's an act of god, ask them which god did it and does my god want me to punish the followers of the god that casued the damage? Ask for it in writing.

AFRIKANZ

A few years ack, same time of the year, my neighbour had a mrque in his garden for a function. Marque was swept up (on a Sunday morning) and over the fence and crashed into our house. Was asleep on the 2nd floor when it happened and actually saw it sailing past my skylight/attic type windows above my bed. Was woken up with a big bang and plaster falling from my roof, was nursing a hangover and thought the world was ending.
Marque flew past our garden an landed between our garden and the next door one. It dislogged some tiles that went crashing down on my poor car. A couple bounced off the bonnet, one smashed the screen.
My neighbour is an ace and took it upon himself to pay for the damages, think his house insurance covered it. Since then, I never park too close to the house......

Ian_S

You can't claim off their home insurance, you will need to pay yourself or claim off your own insurance.
It will be classed as an act of god, the neighbours were not negligent as high winds caused the damage.
Unless you can prove their roof was in a poor state of repair.

tonybooth

To be classified as an act of God the onus falls onto the insurance company to prove beyond reasonable doubt that there is in fact a God.

T

Chrisgr31

No they are not! They are responsible for any damage caused to a neighbours property by their negligence, but not by something that was out of their control. Hence I can;t claim from my neighbours for my shed which burnt down in a fire which started in their garden.

So to get them to pay out you would have to prove they were negligent.

Ian_S

No, the onus is on the OP to prove the neighbours were negligent. Which isnt going to happen when theres gale force winds taking tiles off the roof.

Ian_S