Storm Damage - should I claim?

PJBECKETT_2

One of our trees came down in the storm damaging two neighbours garden fences - Insurance co. said would cover part of claim a one fence was part concrete (considered part of a building). Given I have an excess of £100 and repair costs are only going to be a couple of £100 more - Is it worth claiming or paying the cost myself? I don't know if / how much my next number of years premiums will increase if I claim and if it will be worth it? Don't know if they do hike up your premium after a claim.
I have not claimed before so have got a good premium at the moment (insurer is Direct Line)

Any advice?

mattymoo

Why are you claiming for neighbours fences?

Some recent threads on here have discussed whether you are legally liable to pay for damage to neighbours properties caused by falling slates etc in the storms. Normally you would not be liable.

Trees can be slightly different. What sort of condition was it in prior to the storm?

Finally, excesses do not apply to third party claims.