A roof tile came off my neighbours house in the high winds on Sunday, narrowly missing my roof, bonnet and windscreen, but makes a nasty gash in the front skirt...

 

Is this something ChipsAway could fix?

 

Don't think so, well maybe not to your satisfaction which is the important bit.

Claim off your nextdoors buildings insurance

I've looked into the insurance issue... The word is, unless the neighbour is "proved" negligent by having a dodgy roof, I haven't got a claim...

I was really impressed with the finish achieved on my diamond cut Gemini alloys which had several deepish kerb marks - after that I have much more faith in smart repairs. I would have thought with it being white it should be a fairly straightforward fill and spray job.

unless the neighbour is "proved" negligent by having a dodgy roof, I haven't got a claim...

Rubbish - if the damage was caused by their tile of course you can claim on your neighbour's policy. Whether it's worth the hassle for such minimal damage is another matter.

If they were negligent - ie they knew it was likely to come off and didn't fix it - they might be personally liable instead. But that's nothing to do with you that's for their insurers to sort out.

Edited 31 March, 201511 yr by Dr_Pepper

I've looked into the insurance issue... The word is, unless the neighbour is "proved" negligent by having a dodgy roof, I haven't got a claim...

Yep this is true , your neighbour does have to be proved negligent , many people dont understand this

My Dad had something similar about 3 months ago, claimed off of the neighbours insurance no problem.

In that very bad storm 12-ish months ago, my neighbours greenhouse damaged the boot, roof, bonnet & both screens on my Blackline. Took photo and video evidence at the time, but ended up my insurance having to pay. 

As Richf says above, unless you can prove your neighbour has been negligent, the insurance companies consider it as storm damage/'act of God'.

Edited 31 March, 201511 yr by Cymru Blackline

Good grief, a tiny chip on a bumper and people are ready to unleash the solicitors and spoil relationships. What a sad state society is in.

We had a very similar event last year when one of our garage roof tiles blew off and landed on my wife's car near the top of the rear wing, quite a deep dent, much more than a scratch. It was repaired by a mobile company (can't remember which one) who put up a gazebo over the car and did a great job including filling, sanding and respray. When it was finished you couldn't tell anything had ever happened, a great job.

In that very bad storm 12-ish months ago, my neighbours greenhouse damaged the boot, roof, bonnet & both screens on my Blackline. Took photo and video evidence at the time, but ended up my insurance having to pay. 

As Richf says above, unless you can prove your neighbour has been negligent, the insurance companies consider it as storm damage/'act of God'.

 

This.

 

Same thing happened to my car years ago - roof tiles falling from a four storey block of flats onto my lovely new Lupo Sport.

 

Buildings insurance wouldn't entertain it - had to rely on car insurance.

 

Lesson here - always protect no claims bonus because you might need to make a claim when you are not even using the car and there is no-one else to claim from.