Neighbours roof just fell on my car
Discussion
As the post title, most of my neigbours house roof has just fallen onto my car. They are away on holiday so i am trying to find out a way of getting thier house secured and kept dry. However as i am sorting out that my thoughts are turning to the damage to both my cars. Would this normally be sorted through home insurance? the neighbours are not back until Friday and we get on well with them but i am wondering should i tell my car insurance now? i expect any claim will be outside of car insurance and will be on thier house so do i even have to declare the damage to my insurance? looking for some PH advice please on what you would do?
trickywoo said:
Don't bank on neighbours insurance covering it.
I think unless you can prove the roof was in a neglected / dangerous state prior to the incident the home insurers will claim 'act of god'.
Take lots of pictures and good luck.
Not sure about that. Unless everyone's roof on the street has been ripped off then i think you could reasonably argue that the one that has fallen off was not maintained to a high enough standard.I think unless you can prove the roof was in a neglected / dangerous state prior to the incident the home insurers will claim 'act of god'.
Take lots of pictures and good luck.
I seem to remember reading on hear that the "act of god" get our clause was a load of tosh anyway.
As requested here is a pic.
it is the flat roof from their loft dormer. the part on top of the car has snapped the roof bar and put some big dents in the roof, and the bit on the floor to the left has slid down the entire side of both doors and the rear wing scratching them too. the rest of it landed on my Puma parked next to it but thats a shed anyway. just had a non fault claim last year also..
it is the flat roof from their loft dormer. the part on top of the car has snapped the roof bar and put some big dents in the roof, and the bit on the floor to the left has slid down the entire side of both doors and the rear wing scratching them too. the rest of it landed on my Puma parked next to it but thats a shed anyway. just had a non fault claim last year also..
mazdavdk said:
As the post title, most of my neigbours house roof has just fallen onto my car. They are away on holiday so i am trying to find out a way of getting thier house secured and kept dry. However as i am sorting out that my thoughts are turning to the damage to both my cars. Would this normally be sorted through home insurance? the neighbours are not back until Friday and we get on well with them but i am wondering should i tell my car insurance now? i expect any claim will be outside of car insurance and will be on thier house so do i even have to declare the damage to my insurance? looking for some PH advice please on what you would do?
1. Bad luck. However, it sounds as if no-one was hurt which is at least something.2. I would contact your insurer. You will need to tell them anyway. It is possible that they may be able to identify the insurer of your neighbour's house and inform them so that emergency repairs can be carried out to secure the property.
3. Liability will depend on why the roof collapsed. If it was in a poor state of repair and the collapse could have been reasonably foreseen then your neighbour (and their insurer) will be liable. If the roof has collapsed unexpectedly (perhaps as a result of high winds) then they may not be liable and you may have to claim through your car insurance.
mazdavdk said:
Thanks for the replies so far. some of you are mentioning contacting my insurance.. i suppose by this you mean my car insurance and not my home insurance?
Best possible outcome is their insurance pays for it, most likely outcome is your insurance pays for it. Unless you know (more importantly can prove) their roof was not maintained properly then you have very little chance of getting a claim through.
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