Car damaged by falling Chimney - Not covered?

dacouch

Its fairly common, like you say most people cannot see their roof, however like any part of your house you should have some kind of maintenance routine to check it.

If there was a genuine storm (Insurers generally class a storm as winds over roughly 50 mph) then they may pay for the concrete as well. Although they may argue that if it had been maintained it would not have blown off.