Tile damage from storm

patrickc

This happened last night.

It's the roof and door.

I've my bonus protected so will go through insurance.

Looks expensive though!

cml387

Oh dear. That looks very expensive. It's not like just replacing a wing.

colm reilly

Can see that being a write off

patrickc

https://www.boards.ie/discussion/comment/122933428#Comment_122933428

Really?

It's a 2020 superb

cute geoge

i had a brand spanking new avensis 10 years ago and a bullder delivery truck with a protuding steel pipe caught the rear end pillar and drove hole trough it ,having pity for driver i took it to local repair shop and he had it as good as new in a few days ,this is there bread and butter 1k would easily cover that unless paint is impossable to get

Stallingrad

That is a very extensive repair if you start replacing panels, both the roof and rear quarter panel. However if you find a good PDR place they will be able to massage a lot of that out and then you're faced with filling and paintwork. It's a difficult repair because of the rain channel but as countless videos on YouTube show from eastern European friends if you find the right person that is 100% fixable at a fraction of the cost of going through the insurance which will be horrendously expensive.

ELM327

Unless you find a good bodyshop that will be written off by insurance.

patrickc

I have my bonus protected and can make 2 claims in a 3 year period without it being reduced.

So I'm going with my insurance company.

I've logged it online just waiting for them to come back to see the next steps

Cookie_Monster

Why would it be your car insurance, as opposed to the house insurance of whoevers house it came off?

patrickc

I asked someone I know who works in insurance they said the house won't cover it.

From searching online it seems you can't claim off your house policy for damage to my car.

I had to get the emergency repair through my house insurance so they're aware if the car insurance won't cover it.

Lenar3556

https://www.boards.ie/discussion/comment/122940036#Comment_122940036

A sad state of affairs if that is true.

That is very repairable.

Lenar3556

https://www.boards.ie/discussion/comment/122940510#Comment_122940510

It may be worth checking if there are any other implications of a claim though.

For example you may not be able to move insurer when it comes due for renewal as you will have to disclose you had a claim in the last year/five years etc.

Your current no claims discount percentage may be protected, but you are at the mercy of your current insurer as to what the gross premium will be.

patrickc

https://www.boards.ie/discussion/comment/122941060#Comment_122941060

Yes I will do that

Thanks

Call me Al

Fwiw I had storm related damage on my car earlier this year. I went throught my insurer as I have that same 2 claims in 3 years add-on to my car policy. My repairs were over 4k, which I was shocked at, but 2 months ago my renewal was pretty much the same as last year's premium.

patrickc

Got it looked at today, it's repairable.

The repairer couldn't give a price indication just yet

Dartz

Filler and spraypaint covers a lot of sins.

coylemj

https://www.boards.ie/discussion/comment/122940781#Comment_122940781

I wonder if it was a visitor's car, would your house policy cover it?

I can see how you couldn't claim against yourself for damage to something other than the house itself but would the house policy cover your (public) liability to a 3rd party?

drury..

https://www.boards.ie/discussion/comment/122940691#Comment_122940691

I was wondering same if possible

Keep in mind obviously that just cos the bonus is protected doesn't mean your premium won't rise

drury..

https://www.boards.ie/discussion/comment/122941331#Comment_122941331

Probably it being storm damage not accident was a factor in renewal being same

Dr_Colossus

https://www.boards.ie/discussion/comment/122963304#Comment_122963304

Don't think so, years ago in 2014 (think it was Storm Darwin which had a number of fatalities) I was in rental accommodation. Had my car parked in the front drive way and during the storm the cast iron eve gutters (long and heavy) on the ~1950s Dublin council house blew down landing on my car breaking the front windscreen and dented/damaged the front wing and bonnet. If anyone had been entering/exiting the house at the time they would have been added to the fatality tally.

Landlord contacted his house insurance provider who refused to cover claiming it as an act of God. Literally any loophole conceivable to renege paying out on a policy despite collecting premiums for years. Eventually had to replace the windscreen via my own car insurer and left the wing and bonnet dented and damaged until car was sold a year later.

patrickc

https://www.boards.ie/discussion/comment/122963304#Comment_122963304

They said yes if it wasn't my own car the house would cover it.

Also I asked and they said if it was a neighbours tile their house policy would cover it

drury..

https://www.boards.ie/discussion/comment/122963832#Comment_122963832

They can't definitely answer what the neighbors policy covers

Call me Al

https://www.boards.ie/discussion/comment/122963366#Comment_122963366

Maybe (i hit a tree on a bend in the road that fell during a storm).

i just added my experience as circumstances seem to be very similar, in case the poster was hesitant to go through his insurance, since he has a protected NCB, because it might impact his premium.

My partner also had a claim 5 or 6 years ago (he scraped along a vehicle a few years ago 2.5k damage) . His premium didn't noticeably jump as his ncb was protected.

drury..

https://www.boards.ie/discussion/comment/122964035#Comment_122964035

Last claim I had against me insurance went down at renewal

Have ncb fully protected

Eggs For Dinner

You cannot claim from someone else's house insurance unless there is negligence on their part. A perfectly sound roof, where tiles come off in a storm, is not negligence.

patrickc

https://www.boards.ie/discussion/comment/122963898#Comment_122963898

No but if it was my insurance role reversed.

Lenar3556

https://www.boards.ie/discussion/comment/122964246#Comment_122964246

I suppose the insurer will need to look at it practically however. The reality is that tiles did come off, and damaged third party property. Was it in fact perfectly sound? How do we know? When was it last inspected? Was the design actually fit for purpose?

drury..

Ya lots of badly maintained roofs see slates blown off

So I wouldn't rule it out

Eggs For Dinner

The onus of proof would be on the claimant. No doubt the house owner would be claiming under their insurance to replace the tiles and that assessors report would be to hand. In defending a claim from the car owner, a localised met office report will be obtained and if it indicates a gale force of sufficient level to usually cause damage, the claim will fail.

drury..

https://www.boards.ie/discussion/comment/122964246#Comment_122964246

But if you're negligent regarding the roof you're in breach of contract as the property must be maintained

Insurer may cancel contract and declare insurance void

So how will that play out

Homeowner who is negligent gets nothing but car owner gets paid or sues insurer

Stallingrad

Comes back again to see how much this will cost the OP…

…still talking about roof tiles.