If a neighbours roof tile is blown off in the current high winds and damages my car, who is liable to pay for the damage?
2007-01-13 04:55:12 · 9 answers · asked by Mck 2 in Home & Garden ➔ Maintenance & Repairs
Sorry, but your car insurance pays for it and you pay the deductible.
Unfortunately, in the Insurance World this is called an
"Act of God" and no one is held liable.
High winds across our area blew down a huge elm tree. It took out three peoples fences and one car. We got ahold of our insurance as the tree was on our property. The insurance did not pay for anything. Each persons homeowners and car policy had to cover it. So we paid to fix our fence and the others paid theres. The insurance company said it was an "Act of God" and it is not covered. The same goes here.
2007-01-13 05:06:01 · answer #1 · answered by Nevada Pokerqueen 6 · 0⤊ 0⤋
Act of god i am afraid ! , you could ask your insurance to try and claim off your neighbour`s home insurance .
Just inform your insurance and let them fight it out between themselves .
Alternatively you could go to your neighbour and say " hey look your tile has blown off your roof and damaged my motor car can we sort something out with regard`s the repair " they may offer to pay for it if there not aware of the "act of god " clause or you could offer to go half with them as it is a neighbour best to keep thing`s ok with them after all you still have to live there .
2007-01-13 05:18:20 · answer #2 · answered by charlotterobo 4 · 0⤊ 0⤋
UNLESS you can prove that your neighbour was aware of loose tiles and of the potential consequences of a high wind the this is I'm afraid down to your insurers.
They may consider it worthwhile to persue your neighbours insurance company but I suspect would put it down to Act of God.
I would suggest thet to avoid conflict, you talk to your neighbours and explain that whilst you understand it's not their fault you are putting it through your insurance and they may be in touch.
Don't ask them for money and don't say it's their fault, you have to carry on living there.
2007-01-13 10:35:49 · answer #3 · answered by streetblitzer 3 · 0⤊ 0⤋
Sorry mate but is an act of god acording to the eyes of the insurance world.You may be able to claim on your own car insurance if fully comp?
I wish you good luck in trying
2007-01-13 06:55:43 · answer #4 · answered by Lorna 2 · 0⤊ 0⤋
Can you prove it is your neighbours tile?
I think it would be called an act of god, are you ready to sue god?
2007-01-13 05:55:56 · answer #5 · answered by funnelweb 5 · 0⤊ 0⤋
put it this way "whos roof tile" thats why you have car insurence!
2007-01-13 04:59:17 · answer #6 · answered by Anonymous · 1⤊ 0⤋
ring the insurance
2007-01-13 06:26:50 · answer #7 · answered by RIZ 2 · 0⤊ 0⤋
coul be coverd by house insurance ( third party)
2007-01-13 05:03:15 · answer #8 · answered by 808fl 5 · 0⤊ 0⤋
Their rooftile, your car, who's wind............act of nature
2007-01-13 06:47:36 · answer #9 · answered by Anonymous · 0⤊ 0⤋