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  • FIRST POST
    • Endisforever
    • By Endisforever 13th Jul 17, 6:12 PM
    • 1Posts
    • 0Thanks
    Endisforever
    Someone fell through my garage roof
    • #1
    • 13th Jul 17, 6:12 PM
    Someone fell through my garage roof 13th Jul 17 at 6:12 PM
    A lad of around 25 years old went on my roof to find his drone. I here a crash go outside unlock my garage low and behold there he is stuck in my gagrge and massive hole in the roof.

    We have rang our insurance today who state it's accidental damage which we don't have cover for.

    How can someone trespassing on my garage roof and falling through class as accidental damage.

    While it's hardly a crime worth noting it seems we have other option but to report it to the police in order to get a claim pit through which seems stupid to me

    Anyone else had any experiences like this and got any advice
Page 1
    • zx81
    • By zx81 13th Jul 17, 6:14 PM
    • 14,100 Posts
    • 14,786 Thanks
    zx81
    • #2
    • 13th Jul 17, 6:14 PM
    • #2
    • 13th Jul 17, 6:14 PM
    No experience, but hopefully your premiums won't go...er...through the roof.
    • Quentin
    • By Quentin 13th Jul 17, 6:35 PM
    • 33,252 Posts
    • 17,191 Thanks
    Quentin
    • #3
    • 13th Jul 17, 6:35 PM
    • #3
    • 13th Jul 17, 6:35 PM
    If this is simply trespass then the police won't be interested.


    You can sue the trespasser directly - though maybe that will be unnecessary if he agrees to reimburse you for the cost of repairs
    • Rosemary7391
    • By Rosemary7391 13th Jul 17, 6:36 PM
    • 1,836 Posts
    • 3,190 Thanks
    Rosemary7391
    • #4
    • 13th Jul 17, 6:36 PM
    • #4
    • 13th Jul 17, 6:36 PM
    1. Is the person concerned (largely?) okay?

    2. Have they not offered to pay? I have in similar (less daft on my part) circumstances.
    Me escondo detras de mi lengua... tengo miedo de que me entiendas... pero me gustara que me entendases ¡Ayudame!
    • rs65
    • By rs65 13th Jul 17, 6:47 PM
    • 5,279 Posts
    • 2,505 Thanks
    rs65
    • #5
    • 13th Jul 17, 6:47 PM
    • #5
    • 13th Jul 17, 6:47 PM
    How can someone trespassing on my garage roof and falling through class as accidental damage.
    Originally posted by Endisforever
    If you don't have accidental damage cover then you will have a list of perils that you are covered for such as storm, fire, theft etc.

    Someone falling through your roof is, to you, accidental damage (a sudden and unexpected event).

    You could appeal to insurers better nature and ask them to treat it as malicious damage or vandals.
    • PasturesNew
    • By PasturesNew 13th Jul 17, 6:50 PM
    • 60,705 Posts
    • 354,876 Thanks
    PasturesNew
    • #6
    • 13th Jul 17, 6:50 PM
    • #6
    • 13th Jul 17, 6:50 PM
    It's his bill. Get some quotes and open up the discussion with him over paying. If he doesn't pay, take him to court through the small claims court.

    You shouldn't have to pay for his hobbies and his poor choices.

    He's also not "a lad" - at 25 he is a fully grown adult. Indeed, the body/brain stop growing at 24. He's old enough to have joined the army, fought wars, left there, started a family, bought a house .... and be looking at pension plans.

    He shouldn't be arbitrarily choosing to traipse over people's garage roofs.
    • Huskydays
    • By Huskydays 13th Jul 17, 6:52 PM
    • 83 Posts
    • 311 Thanks
    Huskydays
    • #7
    • 13th Jul 17, 6:52 PM
    • #7
    • 13th Jul 17, 6:52 PM
    By all means try but I don't the police will be interested as it sounds like a civil matter:
    The offence of 'criminal damage' has not occurred as he had no intent to damage your property (this, incidentally, is why the insurance company are declaring it 'accidental', as there was no intent) and unless you've previously told him to stay off your land (do you have any signs up?) or if you asked him leave and he refused - it's not criminal trespass either.

    No experience, but hopefully your premiums won't go...er...through the roof.
    Originally posted by zx81
    These roof jokes go right over my head.
    A witty saying proves nothing
    • Blibble
    • By Blibble 14th Jul 17, 7:57 PM
    • 229 Posts
    • 107 Thanks
    Blibble
    • #8
    • 14th Jul 17, 7:57 PM
    • #8
    • 14th Jul 17, 7:57 PM
    Trespass would be a tort, rather than a criminal matter.

    Try and appeal to the trespasser's better nature and try and settle independently.

    If not, small claims' court may be the route to go.

    Your insurance is what it is & covers what it covers, and isn't obliged to cover the incident out of goodwill (unfortunately). It may be worth trying to get it put through as malicious damage, but as there was no malice *intended* by the trespasser it may be tricky.
    • melanzana
    • By melanzana 14th Jul 17, 8:02 PM
    • 2,421 Posts
    • 6,767 Thanks
    melanzana
    • #9
    • 14th Jul 17, 8:02 PM
    • #9
    • 14th Jul 17, 8:02 PM
    I hope the trespasser doesn't sue you for personal injury. It has happened.
    • PasturesNew
    • By PasturesNew 14th Jul 17, 8:08 PM
    • 60,705 Posts
    • 354,876 Thanks
    PasturesNew
    I hope the trespasser doesn't sue you for personal injury. It has happened.
    Originally posted by melanzana
    £50 and two big fellas could teach him other places drones might become lodged!
    • antrobus
    • By antrobus 14th Jul 17, 8:23 PM
    • 15,275 Posts
    • 21,789 Thanks
    antrobus
    If this is simply trespass then the police won't be interested.


    You can sue the trespasser directly - though maybe that will be unnecessary if he agrees to reimburse you for the cost of repairs
    Originally posted by Quentin
    They fell through the roof and broke it. Criminal Damage.
    • Quentin
    • By Quentin 14th Jul 17, 8:39 PM
    • 33,252 Posts
    • 17,191 Thanks
    Quentin
    How is this accident 'criminal damage',?
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