Anyone know if I can claim for a roof tile that came off my house roof yesterday and landing on my bonnet causing a fair bit of damage, would it be on the contents insurance , building insurance or car insurance ( hope not) or is it one of those "Act of God" things?

 

 

Jeff

Roof damage from storms is covered under your house insurance. Check your policy for the limits of cover to see if it will be enough to repair the car - if so, then this is by far the best option.

Really ?? I thought it would have been Car insurance.

But it will count as a claim. Depending on the damage I wouldn't bother going through the insurance. It may work out more £'s in the long run.

 

You'll just have to bend over and take it up the butt as one of those things that happens. Like when some little shite keys your car :cry:

 

Also take something for the wind mate, I''ve heard Settlers Tums are quite good for that sort of thing ;)

probably the latter!!insurance companys always blame someone especially if thers money to be paid out!!. try the company first and sweet talk them.

good luck bud.

 

bob

If you have a decent House and contents insurance you'd be quite surprised what is covered. Certainly worth checking there first, because they don't have a no-claims culture in House insurance, so you premium won't double next year cause you claimed this year! (Unlike car insurance!!!!!)

I think act of God is classes as Floods, lightning, hurcanes and I think war is too :confused:

 

Also in theory if put it on your house insurance, if your get gets stolen out of the garage, it could be covered by the house insurance. My dads motorbke was stolen out of our garage and he claimed off the house.

Jeff,

this exact thing has happened to me. House insurance paid up in full. Hope your's does too.

 

 

Simon :)

Look at it this way. If another car hits you, its their insurance. If a bus hits you, its there insurance, it something come off the back of a lorry and hits you, its thier insurance, if a slate falls off your house onto your car, its the house insurance. Unless the house does a runner ;)

Unless the house does a runner ;)

 

Funny you should say that after the high winds....

I think that your car insurance will end up claiming from your house insurance, which means that your premium will prob go up, so you might as well just get it done yourself.

I used to know someone who made 17 separate house insurance claims in two years, really making a mockery of the 'accidental damage' clause she had paid so much for. SO from cigarette burns on the carpet after a party to dropping a flower vase full of water into her telly (oops), total claim value was around £22000 !!

(and although she had to change insurers after that, she had no problem getting cover for more or less the same amount).

 

Got to be worth trying!

:confused: Act of God clause :confused:

 

What if you're a darwinian athiest? :rofl:

yeah, acts of god!!

 

1st prove god exists, then prove it was him that carried out the act!! :D

hmmm, I wonder how the courts would react - taking the insurers to court for not paying out because an act of God was done by the big man upstairs.

 

Im an atheist too, and never could get my head round this clause.

May be a little tricky. Tile came of my roof during storms at end of January and went straight through my pool cover. Insurance company insisted roof repair was under buildings insurance and pool cover repair under contents insurnace, although this sounds like an excuse to get me to pay the excess on the policy twice.