Claim excess car insurance back from council from falling roof mortar

themib

Claim excess car insurance back from council from falling roof mortar

My partner lives in a two year old council rented coach house which she has lived in from new. Shortly after she moved in some mortar fell from the right hand side of the dormer window.
Council investigated and attended to it.
In the high winds last night, mortar from the left hand side this fell and damaged her car.
I am unsure if the council attended to that side during the previous repair.
The mortar still left may be unsafe still.

However, took many photographs.

Rang the Council first.
They will send someone out to look at repairing on 17th.
State that we are to claim from our home insurance.
We have contents, but not buildings. Surely that is wrong?

Next Car insurance very helpful and already looking to book car in for repair and hopefully courtesy car.
However £450 Excess.
She has legal cover but unsure if we could attempt to recover excess this way, but will ask.

Are we able to claim the excess back from the council somehow. Its their buildings insurance surely.
This could have been a lot worse. Someone could have been struck and killed, or suffered serious head or permanent facial injuries.
Her neighbour has two toddlers and she parks next to her.
Obviously we do not want her car damaged again, or worse still someone injured or killed.
The excess recovery would be highly desirable given the amount.

Thanks Mark.

Blackbeard_of_Perranporth

themib wrote: »

Claim excess car insurance back from council from falling roof mortar

My partner lives in a two year old council rented coach house which she has lived in from new. Shortly after she moved in some mortar fell from the right hand side of the dormer window.
Council investigated and attended to it.
In the high winds last night, mortar from the left hand side this fell and damaged her car.
I am unsure if the council attended to that side during the previous repair.
The mortar still left may be unsafe still.

However, took many photographs.

Rang the Council first.
They will send someone out to look at repairing on 17th.
State that we are to claim from our home insurance.
We have contents, but not buildings. Surely that is wrong?

Next Car insurance very helpful and already looking to book car in for repair and hopefully courtesy car.
However £450 Excess.
She has legal cover but unsure if we could attempt to recover excess this way, but will ask.

Are we able to claim the excess back from the council somehow. Its their buildings insurance surely.
This could have been a lot worse. Someone could have been struck and killed, or suffered serious head or permanent facial injuries.
Her neighbour has two toddlers and she parks next to her.
Obviously we do not want her car damaged again, or worse still someone injured or killed.
The excess recovery would be highly desirable given the amount.

Thanks Mark.

In the first place you will have to pay the excess. If you have fully comp, then you could get your insurer to pursue the council for the alleged damage.
But then again, you chose the level of excess you are willing to pay!

themib

That is true! Well she did.!

themib

I am surprised the council told us to claim for the repair from home insurance.
The building is theirs!

We woke up with a bill we didnt have yesterday.

The property however is two tears old only and the same or similar problem was reported and looked at since then.
I accept the act of god.
or the original build or repair is at fault.
If someone had been hurt, they would not be claiming from the car inurance, it would be another source?

Quentin

The council employee wouldn't be an insurance expert.

The correct advice would be to claim for the car repair off the car insurance.

(If someone was hurt they would need to prove negligence then claim off the negligent party if there is one)

themib

Thank you Quentin