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Roof Tiles and damage

  • 14-12-2013 5:04pm
    #1
    munzab
    Registered Users, Registered Users 2 Posts: 506 ✭✭✭


    Spent some money on the car and just passed nct thursday, and this is what happens today:


    photo_1.jpg

    photo_2.jpg


    I am not too worried about the windshield, that is covered in my policy. i am just looking at the pillar. door opens fine, not sticking. however, i am wondering what i should do with this.

    its a semi comprehensive cover with Cornmarket/RSA.


    2x tiles came off the roof, so that needs looking at the minute.


Comments

  • #2
    mickdw
    Registered Users, Registered Users 2 Posts: 23,688 ✭✭✭✭mickdw


    The insurance for the property that the roof tiles came off should cover all your damage.
    If it's your own roof, I'm not so sure how the insurance works.


  • #3
    Stinicker
    Banned (with Prison Access) Posts: 7,102 ✭✭✭Stinicker


    I heard of this happening last winter and the property owner whilst not insured was forced to pay for the damage to the persons car. It could just as easily have been a child or person who was hit by those roof tiles and it could be a far worse outcome. Lawyer up is my advice and start pursuing.


  • #4
    tin79
    Closed Accounts Posts: 1,270 ✭✭✭tin79


    Stinicker wrote: »
    I heard of this happening last winter and the property owner whilst not insured was forced to pay for the damage to the persons car. It could just as easily have been a child or person who was hit by those roof tiles and it could be a far worse outcome. Lawyer up is my advice and start pursuing.


    Pretty sure its his own roof.


  • #5
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    mickdw wrote: »
    The insurance for the property that the roof tiles came off should cover all your damage.
    If it's your own roof, I'm not so sure how the insurance works.

    If it's his own roof, then his house insurance does not cover it. If it is his neighbour's roof he will need to prove it was not sufficiently maintained so as to be negligence. Not easy at all


  • #6
    NuckingFacker
    Closed Accounts Posts: 5,221 ✭✭✭NuckingFacker


    Stinicker wrote: »
    I heard of this happening last winter and the property owner whilst not insured was forced to pay for the damage to the persons car. It could just as easily have been a child or person who was hit by those roof tiles and it could be a far worse outcome. Lawyer up is my advice and start pursuing.
    Hopefully he gets a really bad lawyer..or he could clean himself out.


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  • #7
    munzab
    Registered Users, Registered Users 2 Posts: 506 ✭✭✭munzab


    Rented home. Landlord has told me to get a quote, the house insurance will cover it. Im not sure i want to repair the car apart from the windshield which needs done asap. Does anyone have experience regarding insurances and changing winshields? We are flying off for 3 weeks this week so dont have much time.

    Will ring insurance to ask monday.

    Neighbour's car got the tile treatment a few years back, house insurance didnt cover as it was his own house and car.


  • #8
    mickdw
    Registered Users, Registered Users 2 Posts: 23,688 ✭✭✭✭mickdw


    munzab wrote: »
    Rented home. Landlord has told me to get a quote, the house insurance will cover it. Im not sure i want to repair the car apart from the windshield which needs done asap. Does anyone have experience regarding insurances and changing winshields? We are flying off for 3 weeks this week so dont have much time.

    Will ring insurance to ask monday.

    Neighbour's car got the tile treatment a few years back, house insurance didnt cover as it was his own house and car.
    Whether you want to repair all damage is your business but his insurance will pay for all damage (only to Value of car possibly if it's a cheap car). Why would you settle for anything less? Don't even consider claiming screen on your own policy.


  • #9
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    munzab wrote: »
    Rented home. Landlord has told me to get a quote, the house insurance will cover it. .

    Ah, your house is rented. That changes things, only slightly. Your landlord owes you and your property a duty of care. If it can be found that there was a defect in the roof leading to the tiles coming off, the public liability aspect of his policy will cover it. If was in good condition and the storm lifted them, it won't be covered. Not his responsibility


  • #10
    UnawareCaesar
    Registered Users, Registered Users 2 Posts: 195 ✭✭UnawareCaesar


    oldyouth wrote: »
    Ah, your house is rented. That changes things, only slightly. Your landlord owes you and your property a duty of care. If it can be found that there was a defect in the roof leading to the tiles coming off, the public liability aspect of his policy will cover it. If was in good condition and the storm lifted them, it won't be covered. Not his responsibility

    If its in good condition the storm shouldn't be able to lift them.


  • #11
    tomdempsey200
    Registered Users, Registered Users 2 Posts: 1,890 ✭✭✭tomdempsey200


    UnawareCaesar wrote: »
    If its in good condition the storm shouldn't be able to lift them.

    lol...


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  • #12
    UnawareCaesar
    Registered Users, Registered Users 2 Posts: 195 ✭✭UnawareCaesar


    tomdempsey200 wrote: »
    lol...

    Good contribution, would love to hear about all the qualifications you have to back up your point.


  • #13
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    UnawareCaesar wrote: »
    If its in good condition the storm shouldn't be able to lift them.

    That's kind of my point. Slates coming off a roof, maintained in good condition, will not end up being the responsibility of the landlord. If it was in a dodgy condition, the landlord is in trouble


  • #14
    UnawareCaesar
    Registered Users, Registered Users 2 Posts: 195 ✭✭UnawareCaesar


    oldyouth wrote: »
    That's kind of my point. Slates coming off a roof, maintained in good condition, will not end up being the responsibility of the landlord. If it was in a dodgy condition, the landlord is in trouble

    Yeah what I'm saying is that slates won't come off a roof thats maintained in good condition, the house should be designed for a 1 in 100 year wind loading and should be maintained to that standard.

    That's just why I think its a lot more straightforward than you're making out and it should be completely down to the landlord with no questions asked.


  • #15
    garhjw
    Closed Accounts Posts: 1,424 ✭✭✭garhjw


    UnawareCaesar wrote: »
    Yeah what I'm saying is that slates won't come off a roof thats maintained in good condition, the house should be designed for a 1 in 100 year wind loading and should be maintained to that standard.

    That's just why I think its a lot more straightforward than you're making out and it should be completely down to the landlord with no questions asked.

    I disagree. In my opinion, Just because slates came off the roof in strong winds doesnt mean the roof is not properly maintained. Then you need to define properly maintained. Do people have to get their roof checked every year or after every storm? That is unrealistic.


  • #16
    UnawareCaesar
    Registered Users, Registered Users 2 Posts: 195 ✭✭UnawareCaesar


    garhjw wrote: »
    I disagree. In my opinion, Just because slates came off the roof in strong winds doesnt mean the roof is not properly maintained. Then you need to define properly maintained. Do people have to get their roof checked every year or after every storm? That is unrealistic.

    Doesn't take an expert to spot loose slates on a roof from the ground. And its not like it's taking away from peoples lives to look up at the roof every once in a while, as said before, it could veery easily have been a person hit rather than a car.


  • #17
    garhjw
    Closed Accounts Posts: 1,424 ✭✭✭garhjw


    What if you don't have a proper view of the roof from the ground? What if the tiles were dislodged by the wind?

    Don't want to hijack the thread so lets agree to disagree.


  • #18
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    UnawareCaesar wrote: »
    That's just why I think its a lot more straightforward than you're making out and it should be completely down to the landlord with no questions asked.

    The argument is straightforward alright, but not the way you think. You have to prove the landlord was negligent in his maintenance of the property. It is not up to him to prove he wasn't.

    No negligence, no claim


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