next doors shed roof blew off last night and hit the wifes micra. took it to nissan and it needs a new wing, bonnet and light and will cost £840 :eek:

any way, the neighbours house has a pot head living there and he said the house i his sisters and to contact her, now this is where the fun starts! SHE HAS NO FU*KING INSURANCE!!!! if we go through the wifes insurance its £200 excess plus i think the loss of 5yrs no-claims. The house owner(woman) said some cr*p about her brother has a garage and he'll sort it, blah blah blah! personaly i dont trust her/him to do a proper job!

oh and another problem, MOT is next saturday and i realy need the light sorted asap to pass it. so we bought one but wont be here till tuesday then im not sure when its going to be fitted. what would you do?? go through insurance or trust someone that lets a pot head live in her house with no house insurance????

Do you really need to ask? Go through the insurance, and then re-coup your losses with a visit to the uninsured house.

I would go through Nissan, paying the £840, and get your solicitor to send a letter to the owner of the house - should see you get your money back.

Small claims court?

I would go through Nissan, paying the £840, and get your solicitor to send a letter to the owner of the house - should see you get your money back.

Small claims court?

The householders are only liable if they have been negligent.

If their shed was in poor repair then this may be sufficient , but if it was a perfectly good shed that lost it's roof in exceptionally high winds then they have done nothing wrong and aren't liable.

Won't your car insurance try and chase your neighbour for any legitimate claim in the same way they would a liable third party in a car accident? Use the extra £15 you pay for legal assistance

The householders are only liable if they have been negligent.

If their shed was in poor repair then this may be sufficient , but if it was a perfectly good shed that lost it's roof in exceptionally high winds then they have done nothing wrong and aren't liable.

Totally correct. I rejected numerous claims in the bad storms in the late 90's for this. Roofs coming off, but having been well maintained is excluded by the term `act of god` usually.

it had 4 nails holding the roof on! she said her self cowboy builders did it.

next doors shed roof blew off last night and hit the wifes micra. took it to nissan and it needs a new wing, bonnet and light and will cost £840 :eek:

any way, the neighbours house has a pot head living there and he said the house i his sisters and to contact her, now this is where the fun starts! SHE HAS NO FU*KING INSURANCE!!!! if we go through the wifes insurance its £200 excess plus i think the loss of 5yrs no-claims. The house owner(woman) said some cr*p about her brother has a garage and he'll sort it, blah blah blah! personaly i dont trust her/him to do a proper job!

oh and another problem, MOT is next saturday and i realy need the light sorted asap to pass it. so we bought one but wont be here till tuesday then im not sure when its going to be fitted. what would you do?? go through insurance or trust someone that lets a pot head live in her house with no house insurance????

Get a quote for the job doing properly then go see your neighbour with the quote, I'm sure they will be more than happy to pay up there and then as they have NO insurance!

i did get a quote, £840.

it had 4 nails holding the roof on! she said her self cowboy builders did it.

If you have any sort of proof then go for it. What I would say it hold onto the roof and do not let her dispose of it as if there really were only 4 nails holding it down, then your insurance will need proof of this to claim off her insurance.

Out of interest, legally if the neighbour is renting the property or a room in the property they have to have insurance to cover their liabilities. This would include the house killing/injuring said tenant or something like this.

If she has a mortgage on it she will also IIRC have to have insurance.

If all else fails, lots of pics of the roof, the shed, hold onto the roof and much as I hate to say it, sue.

If she has a mortgage on it she will also IIRC have to have insurance.

thats what i thought, as for the roof its now in there garden.

If she has a mortgage on it she will also IIRC have to have insurance.

thats what i thought' date=' as for the roof its now in there garden.[/quote']

I'd be having it "blow" back into your garden overnight and getting some good pictures. The way she is playing it sounds like she is trying to avoid playing ball.

I've seen cases where people put you off it all, then get the dodgy item fixed upi properly and then say something like oh yeah it was always mounted like that but the bolts came out in the exceptionally high wind.

It's going to come off with 4 nails. Should ideally be fixed internally and externally with nuts and bolts or similar.

Plus if this someone really knows someone who'll fix it, someone along that line of people should be happy to shell out the money for at least the parts and materials etc required - also if they get work otherwise then they would be missing out on labour costs they charge other people. So basically, if they're happy to repair it, they're happy to pay the full cost in my opinion (unless their idea of repair is a tin of hammerite in the closest colour and a hammer to bash the dents out).

In addition to the insurance needed or not argument. If it is a council house, insurance obviously is not necessary. However, sub-letting is against the terms of the tenancy agreement. If the house is a council house report to the council. I can't believe a grown woman would let her pothead brother live in her "own" house that she's fully paid for - I'd be selling it and letting him find a place of his own.

So either she is very rich and kind, she has a mortgage (thus has insurance), or what seems most likely to me is it's a council house and she is "sub-letting" which means they can be kicked out.

This is a difficult one though, if you push it, will they go on to intentionally damage your property? - costing more than the loss of no claims and excess?

well the brother that lives next to me seems abit dim tbh, think he is more intrested in getting high than doing anything else. but i have the address of both her houses so if things start happening to my property things might happen to her uninsured property

car damage:

how many nails can you count???

i would have kept the roof as hostage till she payed up or offer to return it to her as firewood.

if we go through the wifes insurance its £200 excess plus i think the loss of 5yrs no-claims.

Have your ins company confirmed this? I thought it was normal to lose a couple of years no claims instead of your full amount.

right, phoned insurance, going through them. we pay £200 to the company that fixing it, and she lose's 2yrs no claims so she goes from 5 to 3. we must be mugs having insurance, it seems to me if you dont have it it doesnt matter some other mug will pay! winds me up!