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Worth the claim?
richardadc
Posts: 86 Forumite
During the recent storm my neighbours fence pulled down what i believe may be my wall. I mentioned to them sometime in the summer of 2022 that the fence post was rotten and it'll eventually fall down, I didn't expect it to pull down the wall with it though but it was very windy.
Now while it seems she is happy to repair the wall and fence, the damage to my sliding patio doors, BBQ, and garden storage unit (as well as a garden fork) hasn't been mentioned.
The BBQ damage is small, just a dent on the leg so I'm not overly concerned . The garden bricks landed on the garden storage unit, and while I've managed to put it somewhat back together, it has cracks all over it now. The damage to the patio door is mainly cosmetic damage to the frame but has scratches on the glass (in some places quite deep) that I imagine will eventually crack.
Just trying to work out if it's worth making an insurance claim. The patio door is probably the biggest issue. If i was to make a claim would the frame just be filled and painted or would they replace that part? Just trying to work out if it would make more sense just to do it myself and leave the other damage and then pay someone to replace the glazing unit.
I'm also assuming it may be difficult to place blame on the neighbour so I'm likely to be responsible for the excess etc.
Now while it seems she is happy to repair the wall and fence, the damage to my sliding patio doors, BBQ, and garden storage unit (as well as a garden fork) hasn't been mentioned.
The BBQ damage is small, just a dent on the leg so I'm not overly concerned . The garden bricks landed on the garden storage unit, and while I've managed to put it somewhat back together, it has cracks all over it now. The damage to the patio door is mainly cosmetic damage to the frame but has scratches on the glass (in some places quite deep) that I imagine will eventually crack.
Just trying to work out if it's worth making an insurance claim. The patio door is probably the biggest issue. If i was to make a claim would the frame just be filled and painted or would they replace that part? Just trying to work out if it would make more sense just to do it myself and leave the other damage and then pay someone to replace the glazing unit.
I'm also assuming it may be difficult to place blame on the neighbour so I'm likely to be responsible for the excess etc.
0
Comments
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What is the cost of repair? What is your excess? How much are you currently paying for insurance? How is Storm defined in your policy book and does the weather at the time meet the hurdle?0
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