my child broke fireplace at friends house

jay87

Their insurance won't pay out as your child is not one of their family members that are insured and they have willingly welcomed you into their home as a visitor, so if you steal from them/damage their contents it's your responsibility

huckster

To the OP, it really depends on whether this is a friendship you want to keep.

If you do want to remain on good terms, your friend should get some quotes for replacement/repair. If you can't afford to pay, then your friend should claim on their Home Buildings Insurance if they have accidental damage. Then you could pay the excess for them. It of course depends on the replacement/repair costs. Depends on what the hearth is made from.

You have no legal liability for the actions of a 2 year old, so if you choose not to pay, then their is nothing they could do about it.

oneeye1

ye s our child was in my wifes charge and too be fair to her she is extra cautiose all the time ,this took a second too happen.as stated when going to this friends house she has been told not too worry its child proof .
luckily it didnt land on his foot

lwc86

I have just had a new fireplace so this might give you a idea on price ,i have had a granite back & hearth and it cost £250 if i remember rightly i was told granite is cheaper than marble

bigblackdog

your 2 year old should have been sent to child prison for criminal damage , i think the krays started out breaking peoples fireplaces , i blame the parents

oneeye1

i believe its limestone

huckster

oneeye1 wrote: »

i believe its limestone

Depends on size, design and quality, but a replacement looks fairly cheap from my quick google. Probably £150 or less.

The excess on the friends Home Insurance is likely to make it not worth claiming, if the replacement is this cheap.

SUESMITH_2

i would offer to pay, i certainly wouldn't expect your friend to pick up the bill.

i would have been mortified if it had been my child that had done that, i would have offered to pay for it there and then - no ifs or buts and then its up to your friends what they want to do

ali-t

jay87 wrote: »

Their insurance won't pay out as your child is not one of their family members that are insured and they have willingly welcomed you into their home as a visitor, so if you steal from them/damage their contents it's your responsibility

I was going to say the same. Standard insurance won't cover accidents from visitors or tenants so unless your friend lied about who did it she wouldn't be able to claim.

flossy_splodge

Astounding that you should even ask.
Your child, your responsibility.
What sort of an age do we live in where parents do not take responsibility for their children. Oh yes, I remember now, it's normal to blame one's friends, the government, the schools, the system but obviously not the parents!
get a grip and pay and learn a lesson.