Insurance assessment of my roof wrong or right?
Discussion
I had an insurance assessor out to see my chim after the roof blew of in excessive wind travelling on a by pass around 70 ish. Wind got under the roof and pushed it straight off flying upwards and beyond and also ripped a window seal off the side. The insurance assessor is stating it is wear and tear of the pin/grommet hole on the roof. Now, the car has done limited miles 45,000 to be precise and the roof has been off around 5 times in my ownership as we never have enough sun to warrant getting it in and out of the boot. My assumption of the pin, is its used to line up the roof in the seal gap along the windscreen and the rear targa part pushes and holds in place. The wind ripped a seal, wind got under the roof and sent the roof flying, this has nothing to do with the pin/grommet hole correct? What your opinions on this guys?
I know insurance company s will try and get of things so just before I tell them where to go, what everyone think on this?
I know insurance company s will try and get of things so just before I tell them where to go, what everyone think on this?
In my limited experience they can tend to fly off if the roof panel is not a tight enough fit, ie the rear targa hoop is too loose. It won't be the centre pin at the front, all that does is aid you in getting the roof panel central.
I don't think there is any way you would know it was going to fly off in advance.
The only one I have heard of coming off did so at 130 mph on a race track. I have had my car at over 145 mph with no loss of roof.
Given the policy excess, wouldn't you have been better buying one from one of the TVR breakers yards? And getting it re-covered if needed?
Keep arguing.
I don't think there is any way you would know it was going to fly off in advance.
The only one I have heard of coming off did so at 130 mph on a race track. I have had my car at over 145 mph with no loss of roof.
Given the policy excess, wouldn't you have been better buying one from one of the TVR breakers yards? And getting it re-covered if needed?
Keep arguing.
Yep, they are talking s
te.
Its not a pin. Its just a locator.
I lost my roof on the M1 at - well, we wont go into that.
But I can't swear both my roof struts were locked into place as I only fastened one myself and my passenger did the other. Thats the wriggle room the insurance co will be looking for.
te.Its not a pin. Its just a locator.
I lost my roof on the M1 at - well, we wont go into that.
But I can't swear both my roof struts were locked into place as I only fastened one myself and my passenger did the other. Thats the wriggle room the insurance co will be looking for.
probably not what you want to hear, but my money is that the roof wasnt seated in the seal properly if it came out while driving at the national speed limit.
My last car had a well used roof which seated easily and was fairly bald in texture compared with my current car, particularly on the leading edge. I only became aware of the difference when I tried a friends surrey roof that he had bought for his Griff. I wasnt sure if Griff roofs were the same as Chims or not and in the pub car park, it didnt seem to seat properly but I had casually lined it up and didnt loosen and ensure everything was 100% central.
A couple of weeks later, I needed to put my roof back on and remembering the surrey roof, checked how flush the panel fitted in the seal and it was almost the same as the surrey roof!
I hadnt ever paid any attention to the seating before, so a quick loosening of the rear hood section and after making sure the panel was 100% centered and seated correctly on both sides, I had closed all of the gaps!
The other thing to consider is if the car has had a new windscreen, or not, which I am sure could affect the seal if not fitted incorrectly.
Good luck anyway.
My last car had a well used roof which seated easily and was fairly bald in texture compared with my current car, particularly on the leading edge. I only became aware of the difference when I tried a friends surrey roof that he had bought for his Griff. I wasnt sure if Griff roofs were the same as Chims or not and in the pub car park, it didnt seem to seat properly but I had casually lined it up and didnt loosen and ensure everything was 100% central.
A couple of weeks later, I needed to put my roof back on and remembering the surrey roof, checked how flush the panel fitted in the seal and it was almost the same as the surrey roof!
I hadnt ever paid any attention to the seating before, so a quick loosening of the rear hood section and after making sure the panel was 100% centered and seated correctly on both sides, I had closed all of the gaps!
The other thing to consider is if the car has had a new windscreen, or not, which I am sure could affect the seal if not fitted incorrectly.
Good luck anyway.
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