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I have home insurance and during the high winds some tiles blew off my roof. Thing is they fell on two cars parked in my drive, neither of them mine. The insurance company say they will pay for the roof but not the cars and my friends have to claim on their car insurance. Now they want me to pay the excess charges – £250 and are VERY annoyed that they will loose their no claims. They are talking about taking me to court ……………… Why doesn’r my hose insurance cover this – does anyone know ………………HELP

8 Thoughts on Damage to cars from falling roof tiles?
  1. Reply
    April 17, 2012 at 5:07 pm

    most insurance companies dont cover for acts of mother nature if that makes sense?

  2. Reply
    April 17, 2012 at 5:33 pm

    i dont know

  3. Reply
    Polete Brasil
    April 17, 2012 at 6:04 pm

    Something like that happened to me…
    I was renting an apartment in NH, USA about 15 years ago. One winter, a HUGE block of ice fell on my car. The total damage was $ 3000! I contacted my car insurance, and told them they should contact the owner of the building. My car insurance said they would pay for the damage (minus $ 1000 co-payment), but that the building insurance would not cover anything. It turns out that the ice falling from the roof was an “act of god”.
    I don´t think your friends are your friends, if you ask me… but are you sure they would win? Wouldn´t the same thing apply? I don´t think your can be accountable for an “act of god”.
    My suggestion: talk to a lawyer before they do…

  4. Reply
    April 17, 2012 at 6:24 pm

    It wasn`t your fault it was an act of god therefore let them get their excess charges back of him, it wasn`t your fault thats why your insurance paid for your roof, their excess is what they arrange with their insureres to make their policies cheaper.

  5. Reply
    April 17, 2012 at 6:43 pm

    Unless the laws where you live are different from where I live, you aren’t legally obligated to pay for the damage to their cars unless you were somehow negligent the the maintenance of your roof. Did you have and did you know that you had loose tile on your roof? If you did, then you were negligent. If it was an otherwise intact roof and the damage was caused solely from the high winds, then you were not negligent.

    The excess charge isn’t your responsibility either. If, for the sake of your friendship, you want to pay it, that would be your choice. Otherwise, they need to write it off as a choice that they made to 1) have a deductible 2) park in your drive and 3) not move their cars when high winds come up.

    HOSE insurance, BTW, only covers accidents that occur when a pressurized hose gets loose and causes damage to people or property due to its whipping around. LOL Only kidding!

  6. Reply
    April 17, 2012 at 7:02 pm

    First, their auto insurance is primary coverage. Second they would have to prove you were negligent in a court of law. If you roof was old and in serious need of repair, I could see them having a case. However if your roof was fairly new, and other roofs in the neighbourhood has damage as well becasue of the wind, then they would have no case. Your roof tiles may have been the proximate cause, but there is no way you could have forseen that happening.

  7. Reply
    Casino Rob
    April 17, 2012 at 7:11 pm

    The following applies for UK policies:

    As has been pointed out by one poster, you can only be held legally liable if you can be shown to have caused the damage by negligence. For this to be the case, it will need to be proved that you either did something that you shouldn’t have – or NOT did something that you should reasonably have done.

    In short, your neighbours are unlikely to be able to hold you legally liable unless it can be shown that you neglected the state of your roof.

    In any event, your home contents insurance policy will provide legal liability cover. Sounds crazy, I know, but if your neighbours want to take legal action against you then you can refer that claim to your contents insurers.

  8. Reply
    April 17, 2012 at 7:42 pm

    Because you can’t insure for an act of God (so to speak). It’s wind – you can’t insure against the wind. Hang on, sounds like that’s a bit daft doesn’t it – well it is. You can’t insure against the wind.
    The cost of repairing the roof may be covered under storm damage (depending upon the wind speeds) but the resultant damage to the cars will not be. Wind is wind and not an insured peril. It’s most unfortunate the damage to the cars but you can’t expect to get cover for this sort of thing.
    The only way you could pursue this is if the original roofer who carried out the work to the roof was negligent in his work, and it could be proved that this contributed to the loosening of the tiles – then you’d have an avenue to pursue. But other than that, you’re best option is to just pay your friends excesses – is it worth saving £500 to risk falling out with your friends?

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