Shed damaged neighbours property
Discussion
Hi,
Know this has heen done before but search not greatest on my phone.
Still digging through my insurance t&c's to see what they say but am I able to claim on my house insurance for damage to a neighbours car and guttering? By my shed dissintegrating thanks to Babs and Connor.
Or is it a case of I have to pay up my self.
Know this has heen done before but search not greatest on my phone.
Still digging through my insurance t&c's to see what they say but am I able to claim on my house insurance for damage to a neighbours car and guttering? By my shed dissintegrating thanks to Babs and Connor.
Or is it a case of I have to pay up my self.
I think that unless your shed was decrepit and in an exceptionally poor state of repair your neighbours will be paying or claiming of their insurance. Your insurance will only pay out if you were negligent in not carrying out works to your shed as it was obvious it would disintegrate in poor weather.
Obviously you can pay out your own pocket to maintain neighbourly relations.
Obviously you can pay out your own pocket to maintain neighbourly relations.
t state in worse weather. Don't know the full damage as I am away from home so getting messages from wife. Definitely front wing, scratches elsewhere that should polish out and possible damage to the roof.
Will pay for it ourselves if cant do it through insurance.
And yes I am definitely questioning the quallity of the shed. Felt solid when put up.
The shed
http://m.costco.co.uk/view/p/keter-factor-8ft-5-x-...
Will pay for it ourselves if cant do it through insurance.
And yes I am definitely questioning the quallity of the shed. Felt solid when put up.
The shed
http://m.costco.co.uk/view/p/keter-factor-8ft-5-x-...
As said, your house insurance covers your legal liabilities to third parties. You will only be legally liable if you were negligent. It doesn't cover stuff you feel morally obliged to pay for.
From what you say, you may have been negligent if it wasn't build properly, but probably weren't. But your neighbours would have to prove it. If you actually want your insurers to pay, when you report it to them, you'd admit that you built it, you weren't happy with your own work as you're not much good at DIY. You were planning to get a pro round to re do it properly and then the storm struck. But of course if that wasn't true it would be insurance fraud.
I have comp insurance for my car, to cover me for eventualities like this, where my car might get damaged by debris in a storm that's no one's fault.
From what you say, you may have been negligent if it wasn't build properly, but probably weren't. But your neighbours would have to prove it. If you actually want your insurers to pay, when you report it to them, you'd admit that you built it, you weren't happy with your own work as you're not much good at DIY. You were planning to get a pro round to re do it properly and then the storm struck. But of course if that wasn't true it would be insurance fraud.
I have comp insurance for my car, to cover me for eventualities like this, where my car might get damaged by debris in a storm that's no one's fault.
TwigtheWonderkid said:
As said, your house insurance covers your legal liabilities to third parties. You will only be legally liable if you were negligent. It doesn't cover stuff you feel morally obliged to pay for.
From what you say, you may have been negligent if it wasn't build properly, but probably weren't. But your neighbours would have to prove it. If you actually want your insurers to pay, when you report it to them, you'd admit that you built it, you weren't happy with your own work as you're not much good at DIY. You were planning to get a pro round to re do it properly and then the storm struck. But of course if that wasn't true it would be insurance fraud.
I have comp insurance for my car, to cover me for eventualities like this, where my car might get damaged by debris in a storm that's no one's fault.
How can he be negligent? Storm hits shed blows over and debris ends up in neighbours property.Pro or no pro S Happens.Neighbours claim from there insurance and the shed owner from his insurance if he has cover.From what you say, you may have been negligent if it wasn't build properly, but probably weren't. But your neighbours would have to prove it. If you actually want your insurers to pay, when you report it to them, you'd admit that you built it, you weren't happy with your own work as you're not much good at DIY. You were planning to get a pro round to re do it properly and then the storm struck. But of course if that wasn't true it would be insurance fraud.
I have comp insurance for my car, to cover me for eventualities like this, where my car might get damaged by debris in a storm that's no one's fault.
pim said:
TwigtheWonderkid said:
As said, your house insurance covers your legal liabilities to third parties. You will only be legally liable if you were negligent. It doesn't cover stuff you feel morally obliged to pay for.
From what you say, you may have been negligent if it wasn't build properly, but probably weren't. But your neighbours would have to prove it. If you actually want your insurers to pay, when you report it to them, you'd admit that you built it, you weren't happy with your own work as you're not much good at DIY. You were planning to get a pro round to re do it properly and then the storm struck. But of course if that wasn't true it would be insurance fraud.
I have comp insurance for my car, to cover me for eventualities like this, where my car might get damaged by debris in a storm that's no one's fault.
How can he be negligent? Storm hits shed blows over and debris ends up in neighbours property.Pro or no pro S Happens.Neighbours claim from there insurance and the shed owner from his insurance if he has cover.From what you say, you may have been negligent if it wasn't build properly, but probably weren't. But your neighbours would have to prove it. If you actually want your insurers to pay, when you report it to them, you'd admit that you built it, you weren't happy with your own work as you're not much good at DIY. You were planning to get a pro round to re do it properly and then the storm struck. But of course if that wasn't true it would be insurance fraud.
I have comp insurance for my car, to cover me for eventualities like this, where my car might get damaged by debris in a storm that's no one's fault.
OP contradicts himself, says shed was built according to the instructions, yet was *secured* by a 'ton of bricks'. Until he can be bothered to secure it properly. But wants to blame the shed manufacturer/storms for his incompetence/laziness.
At least he wants to compensate his neighbour though unlike the morons stating his neighbour should claim off their own insurance and suffer the excess loss/no claims reduction.
At least he wants to compensate his neighbour though unlike the morons stating his neighbour should claim off their own insurance and suffer the excess loss/no claims reduction.
Marvtec said:
OP contradicts himself, says shed was built according to the instructions, yet was *secured* by a 'ton of bricks'. Until he can be bothered to secure it properly. But wants to blame the shed manufacturer/storms for his incompetence/laziness.
At least he wants to compensate his neighbour though unlike the morons stating his neighbour should claim off their own insurance and suffer the excess loss/no claims reduction.
I'm not sure you get the point of what the OP is saying.At least he wants to compensate his neighbour though unlike the morons stating his neighbour should claim off their own insurance and suffer the excess loss/no claims reduction.
As I understand it, OP want's to compensate his neighbours, but not out of his own pocket. He wants his house insurers to take care of it. The only way he can do that is to admit negligence. There are 3 ways this can end.
1. OP admits negligence, his insurers pay the neighbours.
2. OP doesn't admit negligence, and pays neighbours out of his own pocket.
3. OP doesn't admit negligence, and refuses to pay neighbours personally, and neighbours claim off their own insurance for their own damage. Neighbours insurers are then free to pursue OP's insurers to recover their outlay but probably won't bother as it'll be almost impossible to prove negligence.
As for your last post about us being morons, can I ask you, if tiles blew off your roof in a major storm and landed on neighbours Bugatti causing £100K of damage, how would you deal with that?
Edited by TwigtheWonderkid on Monday 26th December 08:59
westtra said:
Don't know the full damage as I am away from home so getting messages from wife. Definitely front wing, scratches elsewhere that should polish out and possible damage to the roof.
Will pay for it ourselves if cant do it through insurance.
And yes I am definitely questioning the quallity of the shed. Felt solid when put up.
The shed
http://m.costco.co.uk/view/p/keter-factor-8ft-5-x-...
Made in Israel I believe... Not relevant, perhaps, but the maker's not going to be that communicative.Will pay for it ourselves if cant do it through insurance.
And yes I am definitely questioning the quallity of the shed. Felt solid when put up.
The shed
http://m.costco.co.uk/view/p/keter-factor-8ft-5-x-...
No a dissimilar situation to a few year ago when an roof tile blew off our roof and damaged Mrs Torque's bonnet. The car insurers were not interested as storm damage is not covered by a car policy. The house policy was also no use as the house policy specifically excludes damage to motor vehicles. It was one of those situations where where there's no insurance cover. In the OP's case the neighbour only has a claim if the OP was negligent, so it seems to me that if the shed was in good repair there is no claim.
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