Tree has Fallen on my Porsche while visiting family's apt

[Stone02]

Hi all,

My mother lives in a Manor House / Apartment Block with around 20 total apartments. This includes visitors parking, while parked in the visitor parking with 2 other cars, a tree has fallen onto my car, fortunately only scratching the bonnet and a few marks... although causing £5000+ worth of damage to my car. From what I saw it also wrote off a 2020 Range Rover and damaged a BMW quite badly. I was the lucky one.

My excess for insurance is £5000 and I'm a young driver so don't want to claim.

The tree was rotting, I've got pictures of it all.

Currently, they're looking into the policy to see if I'm covered under the home insurance, if not... Does anyone have legal advice?

• It wasn't windy last night, just a massive rotten branch fell **

Was this just 'an act of god/nature' or do I have a claim ready for this.

[Stone02]

Austin_Metro said:

I’m sure he’ll provide photos.

No signs on the property expressing it's my own responsibility, yes I'm 19 hence the high excess and even higher premium!

I don't regularly post on this forum as the majority of answers are online, so I only ask the weird and wacky ones to the people who have experience/knowledge.

Thanks.