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?
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.
Slight update...
Car is cat D
Currently establishing any contribution from the land lords insurance (so still in the same position as per the argument above
).
An offer had been made by my insurers, which is a bit light. Assuming the standard routine is to suggest they go higher, offering some substantiation?
They've asked for copies of my docs, the MOT, which I'd expect. They've asked for a copy of the purchase receipt too - unsure of the reason for that request though...
Advice greatly appreciated.
Car is cat D
Currently establishing any contribution from the land lords insurance (so still in the same position as per the argument above
).An offer had been made by my insurers, which is a bit light. Assuming the standard routine is to suggest they go higher, offering some substantiation?
They've asked for copies of my docs, the MOT, which I'd expect. They've asked for a copy of the purchase receipt too - unsure of the reason for that request though...
Advice greatly appreciated.
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