Damage from the wind... repairable?
Discussion
ianwayne said:
I hope your neighbour doesn't take it personally, but you can claim off his home insurance for the damage (presuming he has any?)
I have all his policy/broker/personal details. He's a landlord and turned up pronto - there were still some tiles which were dangerous so he was scrabbling to make it safe.My insurers have carted it off now, I've pointed them to his insurers too.
With stuff like this, what happens re my excess? Anyone able to give their opinion?
_Deano said:
Just out of curiosity, why would the car be written off?
The roof consists of a thin metal skin panel, easily replaced, and a frame structure underneath. The frame is made up of the tops of the door pillars, windscreen surround and a joining loop bit. Or at least traditional construction is like that. If the damage goes deeper than the roof skin, essentially if the top of the windscreen frame is bent, then that's classed as damage to the uni-body. Basically that's the bare shell of the car, to which the subframes and outer panels attach. If this is compromised the car enters a whole world of upper write-off category pain. If it's a rare or valuable model then this can be replaced. If not they'll pay out market value. Repairs involving cutting and welding the body structure can be done, granted, but it's a highly specialised area.
MagneticMeerkat said:
The roof consists of a thin metal skin panel, easily replaced, and a frame structure underneath. The frame is made up of the tops of the door pillars, windscreen surround and a joining loop bit. Or at least traditional construction is like that.
If the damage goes deeper than the roof skin, essentially if the top of the windscreen frame is bent, then that's classed as damage to the uni-body. Basically that's the bare shell of the car, to which the subframes and outer panels attach. If this is compromised the car enters a whole world of upper write-off category pain. If it's a rare or valuable model then this can be replaced. If not they'll pay out market value. Repairs involving cutting and welding the body structure can be done, granted, but it's a highly specialised area.
Interesting, thanks!If the damage goes deeper than the roof skin, essentially if the top of the windscreen frame is bent, then that's classed as damage to the uni-body. Basically that's the bare shell of the car, to which the subframes and outer panels attach. If this is compromised the car enters a whole world of upper write-off category pain. If it's a rare or valuable model then this can be replaced. If not they'll pay out market value. Repairs involving cutting and welding the body structure can be done, granted, but it's a highly specialised area.
MagneticMeerkat said:
The roof consists of a thin metal skin panel, easily replaced, and a frame structure underneath. The frame is made up of the tops of the door pillars, windscreen surround and a joining loop bit. Or at least traditional construction is like that.
If the damage goes deeper than the roof skin, essentially if the top of the windscreen frame is bent, then that's classed as damage to the uni-body. Basically that's the bare shell of the car, to which the subframes and outer panels attach. If this is compromised the car enters a whole world of upper write-off category pain. If it's a rare or valuable model then this can be replaced. If not they'll pay out market value. Repairs involving cutting and welding the body structure can be done, granted, but it's a highly specialised area.
Cool, learn something new everyday!If the damage goes deeper than the roof skin, essentially if the top of the windscreen frame is bent, then that's classed as damage to the uni-body. Basically that's the bare shell of the car, to which the subframes and outer panels attach. If this is compromised the car enters a whole world of upper write-off category pain. If it's a rare or valuable model then this can be replaced. If not they'll pay out market value. Repairs involving cutting and welding the body structure can be done, granted, but it's a highly specialised area.
Jimmyarm said:
kambites said:
Have you actually read the thread?
Yes, now answer the question ianwayne said:
I hope your neighbour doesn't take it personally, but you can claim off his home insurance for the damage (presuming he has any?)
Yes it may require proof of inadequate maintenance, but you don't know that he can't get that. What's this twaddle about negligence or bad maintenance? Not necessary.
Buildings Insurance covers 3rd party risk. It's why anyone with a mortgage has to have buildings insurance by law. If he's a landlord he will undoubtedly have it (unless he's a wideboy) to cover against tenants possibly burning it down so the OP should be OK.
Buildings Insurance covers 3rd party risk. It's why anyone with a mortgage has to have buildings insurance by law. If he's a landlord he will undoubtedly have it (unless he's a wideboy) to cover against tenants possibly burning it down so the OP should be OK.
kambites said:
Yes it may require proof of inadequate maintenance, but you don't know that he can't get that.
Don't be so ridiculous.Have you got proof of maintenance of your roof ? Exactly how often does a tiled roof need to be maintained ?
Short of the neighbours property being a condemned wreck the Op has as much chance of making a successful claim as I do of winning the euromillions tonight.
It will probably get written off if it is n early variant but it is fixable
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