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Neighbours slate fell off roof and hit our car. Insurance options?
Southernman
Posts: 605 Forumite
Just that really.
A slate fell off their roof and bounced off our car and landed next to it. I got an estimate this morning to fix it as it could rust if left and it was £560😱.
I've not spoken to the neighbours yet but is this something that can be claimed on their insurance? Our car insurance? I could do with some guidance on the best way of addressing this?
A slate fell off their roof and bounced off our car and landed next to it. I got an estimate this morning to fix it as it could rust if left and it was £560😱.
I've not spoken to the neighbours yet but is this something that can be claimed on their insurance? Our car insurance? I could do with some guidance on the best way of addressing this?
Mortgage 1: May 2012 £90,000 April 2020: £47,000
Mortgage 2: £270,000😱 Jan 2019 £253,000 April 2020
Mortgage 2: £270,000😱 Jan 2019 £253,000 April 2020
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Comments
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Their buildings insurance.
Give the neighbours a copy of the quoteNever pay on an estimated bill. Always read and understand your bill0 -
Good luck with that, unless you can prove negligence on the neighbour's part.5
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Unless the roof was already damaged it will be an act of God, claim off your own insurance or touch up paint where it's been damaged / gone through to bare metal.Mortgage started 2020, aiming to clear 31/12/2029.2
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Repair may only cost a few hundred. Using insurance may cost you far more (excess, record of a claim etc).
So, it may well be better to sort out without insurance and maybe your neighbour will put something towards the cost if you are on good terms with them.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.1 -
Only if the neighbour was negligent. One of our neighbour's roof tiles came through the roof of our conservatory during a storm and we had to claim off our own house insurance. I would expect the OP to have to claim on their own car insurance.Robin9 said:Their buildings insurance.
Give the neighbours a copy of the quote
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Fair point, though I'd hope that the neighbour would have noticed a missing slate of their roof by now
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Not necessarily. Many roofs are double tiled. the top ones will spall over time and fall away and the first you know about it is if you see bits of broken tile on the ground. Depending on the house and land around it, they may not fall within sight of the owner.Mickey666 said:Fair point, though I'd hope that the neighbour would have noticed a missing slate of their roof by nowI am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
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