Question re home insurance - My door damaged by neighbours roof slate.

dog1

Hi,

I was wondering if anyone has had a similar experience, or any relative advice would be welcome.

A number of slates have just been blown from my neighbours roof, one has smashed into and split my UPVC front door, looks like it will need to be replaced.

My neighbour is on holiday at the moment and won't be returning until the end of January!

I'd imagine I'll have to claim a new door on my insurance and pay the excess?

Any advice/opinions?

The door does not need urgent attention and is secure just now, but badly split on the outside panel.

Quentin

Unless you can prove negligence by your neighbour, the costs of repairs are down to you/your insurer.

geri1965_2

I'm guessing it's pretty stormy where you are, and this is what caused it, rather than a lack of maintenance.

As Quentin says, unlikely that you will be able to claim against them.

Rolandtheroadie

If my neighbour was away until the end of January and they'd lost a few slates, I would contact a family member of theirs as their property could end up damaged.

Quote

Wouldn't the neighbour's Property Owners' Liability cover pay for this, inevitably? Make a claim for storm or impact damage, by all means, but the insurers would be able to subrogate from the POL insurers, wouldn't they?

geri1965_2

Quote wrote: »

Wouldn't the neighbour's Property Owners' Liability cover pay for this, inevitably? Make a claim for storm or impact damage, by all means, but the insurers would be able to subrogate from the POL insurers, wouldn't they?

Not if they haven't been negligent.

dog1

Thanks for all the advice.

Winds up to 100mph here last night, storm damage for sure, no negligence.

I've informed neighbours relative re roof now missing a slate or three!!

Airwolf1

Anything we look at like this, we have to basically advise the insurance company that there is a possibility that the costs involved could be reclaimed (third party claim) and we leave it to them.

geri1965_2

Airwolf1 wrote: »

Anything we look at like this, we have to basically advise the insurance company that there is a possibility that the costs involved could be reclaimed (third party claim) and we leave it to them.

Who is 'we'?

FlameCloud

I'm guessing he works for a loss adjusters.

Airwolf1

geri1965 wrote: »

Who is 'we'?

Chartered Surveyors - we mainly deal with buildings claims etc and go out and inspect damage when required by insurance companies.