Member Since: 31 Jul 2012
Location: Nottinghamshire
Posts: 273
Roof tile gone straight through side window on disco
Hi all just had a roof tile blow off my house roof and gone straight through the rear side window on my discovery
would any body know which insurance would I need to claim off my house or my car?
I do recall one of my friends saying insurance company's class it has a act of god and wont pay out is this true?
Many Thanks Ash
23rd Feb 2017 3:32 pm
Gareth Site Moderator
Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26705
I would go with the car insurance. Probably has a lower glass excess than your house. Also won't affect ncd, it might do on your house policy.
23rd Feb 2017 3:33 pm
Landyash
Member Since: 31 Jul 2012
Location: Nottinghamshire
Posts: 273
That's great news Gareth
Will they try and back pedal because its wind damage?
Just want to cover my back in case?
i am insured with tesco.
Thanks again
23rd Feb 2017 3:37 pm
waterbuoy
Member Since: 26 Oct 2013
Location: Argyll
Posts: 2863
Don't tell them it was wind damage - vandalism whilst in a car park perhaps?Currently 2009 Disco 3 SE, 2013 MY D4 HSE and 2016 D4 SE
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23rd Feb 2017 3:47 pm
CFB
Member Since: 02 Dec 2005
Location: Bradford, West Yorkshire
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Agree2020 BMW X1 18d XDrive X-Line Auto
23rd Feb 2017 3:49 pm
DSL Keeper of the wheelie bin
Member Since: 11 May 2006
Location: Off again! :-)
Posts: 72799
Lucky through the window and not a foot or two lower.
23rd Feb 2017 3:49 pm
nicedayforit
Member Since: 05 Sep 2011
Location: Beside the Solway
Posts: 369
I had similar some years ago albeit my roof tile damaged a neighbours car. My house insurance dealt with it.
23rd Feb 2017 4:00 pm
Pelyma
Member Since: 06 Jan 2005
Location: Patching, Sussex
Posts: 15496
Storm damage isn't an act of God; it's storm damage! If your roof got ripped off in a hurricane like 1987 provided you had the cover you got paid out. At my last house we had some tiles move in a storm that meant the whole valley had to be stripped and re cemented in, the NFU paid no problem.DS3 TDV6 HSE - Silver with Alpaca (old one) Gone
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23rd Feb 2017 4:11 pm
M3DPO
Member Since: 22 Sep 2010
Location: Notts.
Posts: 8119
If it has not done any other damage its a very easy job to replace if it's the door glass, as is 3 minutes, may be cheaper to buy one and DIY. Longest job is vacuuming the broken glass up.It can when others can't,
It will when others won't,
It goes where others don't.
23rd Feb 2017 4:20 pm
BBDisco3
Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3640
Re: Roof tile gone straight through side window on disco
Landyash wrote:
Hi all just had a roof tile blow off my house roof and gone straight through the rear side window on my discovery
would any body know which insurance would I need to claim off my house or my car?
I do recall one of my friends saying insurance company's class it has a act of god and wont pay out is this true?
Many Thanks Ash
Your home insurance won't pay for damage to your own car.
However if your roof tile fell on to a neighbours car then it's down to your neighbour to prove you have been negligent and if successful then the "property owners liability" section of home insurance would meet the cost. Should your Insurers not consider you were liable then they would defend the claim.
If it's a result of a storm then a neighbour may find it difficult as it was beyond your control and unless they could demonstrate your roof was in a poor state of repair. If your neighbour said they were aware the roof needed work then they may well still be unsuccessful in recovering their costs as they were aware of the risk when parking.
I had similar some years ago albeit my roof tile damaged a neighbours car. My house insurance dealt with it.
Seems a bit hit and miss with insurance, mate of mine had a neighbours tile come off and damaged the roof and boot lid of his three month old 5 Series, the neighbour was fine about but the neighbours house insurance insisted it was Act of God, ended claiming on his own car insurance.
23rd Feb 2017 5:47 pm
galwaygreen
Member Since: 30 Oct 2011
Location: plymouth
Posts: 6525
had similar...cement fell from our roof hit centre bonnet...house insurance didn't want to know unless it hit third party...also tried to suggest roof not maintained properly...could have gone car insurance route but landrover dealer jacked up the price when they knew it was insurance job £1750....offered to pay direct $650....they had allowed a new bonnet,,when all that was needed was filler and spray bonnet.
the fact that the storm is well advertised is in your favour.
23rd Feb 2017 6:02 pm
Landyash
Member Since: 31 Jul 2012
Location: Nottinghamshire
Posts: 273
Thanks for all your help guys it just got worse
I have noticed the panoramic roof glass is cracked to
Just had a call from national window screens going in to be sorted tomorrow
23rd Feb 2017 6:34 pm
BBDisco3
Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3640
An "Act of God" relates to an incident which is out of the control or intervention of a person. Such as a storm or earthquake.
Home insurance does not exclude (usually) but in fact actually lists what you are insured against - fire, theft, escape of water, storm plus a number of other "perils"
The home policy does not have an exclusion for "Act of God" To provide cover for storm then exclude it would be illogical.
However there is also the "legal liabilty" aspect which provides cover for claims made against you - (just like a motor accident) your insurer would only pay when it's your fault. A storm is not your fault so any damage you/your property causes to someone else is not legally your responsibility.
It may seem harsh on neighbours if your tile hits their car in a storm but the term "Act of God" is not the reason they won't get paid.
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