davidallan
Free Member
:Sad:
The preamble: After recent heavy rains a small piece of cement came LOOSE from one of my ridge tiles....Rolled down the roof and bounced onto my Neighbour's NEW XF Jaguar's Roof :shout:
Only a small piece but managed to have a few slithers on the frosted roof before ending up on his driveway.
Some barely visible scratch marks and minuscule dent. Slither marks Total circa 6" or so.
Total Quotation from the Jaguar repair centre = £1018....:Sad:
I AM NOT QUERYING THE AMMOUNT QUOTED- YET !!
Naturally apologised to neighbour etc. etc. & thought I shall have this covered on my Household insurance.
Organised my roof 'Pointing repairs'..& re-cementing loose bits [ Roof less than 10 yrs old on a 1950's House ]
YES = I CAN MAKE A CLAIM FOR THE REMEDIAL ROOFER ..SAY £680 minus £ 350 excess if I wish .
NO = The Ins. coy will not pay out for his damaged Car. THEY WILL ONLY CONSIDER A CLAIM BEING MADE AGAINST THEM IF THE NEIGHBOUR CAN PROVE NEGLIGENCE on MY Part ????? IS THIS NORMAL ?????
NO NEGLIGENCE..Just V/heavy rain 48hrs before + Strong winds. ACT of nature - Yes
THE NEIGHBOUR MUST MAKE A CLAIM THROUGH HIS INS. POLICY against MINE BUT THEY are NOT likely to accept such a claim.
We have never made an Insurance claim and paid out for 45+yrs etc.
QQQQQQQ---
IS THIS THE NORMAL STANCE FOR HOME INS. PROVIDERS TO TAKE ?
ps If therefore a roof tile falls from his Roof and my Motorhome suffers major roof damage he will NOT be liable UNLESS I can prove negligence !!
pps. My knowledge of the Insurance Industry ins & outs = pretty much 0%
FUNSTER INSURANCE EXPERT ADVICE NEEDED......Please :thumb: THANKS :thumb:
The preamble: After recent heavy rains a small piece of cement came LOOSE from one of my ridge tiles....Rolled down the roof and bounced onto my Neighbour's NEW XF Jaguar's Roof :shout:
Only a small piece but managed to have a few slithers on the frosted roof before ending up on his driveway.
Some barely visible scratch marks and minuscule dent. Slither marks Total circa 6" or so.
Total Quotation from the Jaguar repair centre = £1018....:Sad:
I AM NOT QUERYING THE AMMOUNT QUOTED- YET !!
Naturally apologised to neighbour etc. etc. & thought I shall have this covered on my Household insurance.
Organised my roof 'Pointing repairs'..& re-cementing loose bits [ Roof less than 10 yrs old on a 1950's House ]
YES = I CAN MAKE A CLAIM FOR THE REMEDIAL ROOFER ..SAY £680 minus £ 350 excess if I wish .
NO = The Ins. coy will not pay out for his damaged Car. THEY WILL ONLY CONSIDER A CLAIM BEING MADE AGAINST THEM IF THE NEIGHBOUR CAN PROVE NEGLIGENCE on MY Part ????? IS THIS NORMAL ?????
NO NEGLIGENCE..Just V/heavy rain 48hrs before + Strong winds. ACT of nature - Yes
THE NEIGHBOUR MUST MAKE A CLAIM THROUGH HIS INS. POLICY against MINE BUT THEY are NOT likely to accept such a claim.
We have never made an Insurance claim and paid out for 45+yrs etc.
QQQQQQQ---
IS THIS THE NORMAL STANCE FOR HOME INS. PROVIDERS TO TAKE ?
ps If therefore a roof tile falls from his Roof and my Motorhome suffers major roof damage he will NOT be liable UNLESS I can prove negligence !!
pps. My knowledge of the Insurance Industry ins & outs = pretty much 0%
FUNSTER INSURANCE EXPERT ADVICE NEEDED......Please :thumb: THANKS :thumb: