insurance question
Discussion
My griff has been damaged by the ceiling in my garage falling down onto it. It will need a respray, windscreen and retrim.
The question is who will pay. I can claim on my insurance, but the garage is rented and the ceiling problem is the fault of the landlord who was told that there was a leak, and claimed to have fixed the problem. Do you think I will have any luck claiming from the Landlords insurance or is this my no claims shot? I think it comes under the failure to maintain the building causing damage, but I am not sure...
PS
The question is who will pay. I can claim on my insurance, but the garage is rented and the ceiling problem is the fault of the landlord who was told that there was a leak, and claimed to have fixed the problem. Do you think I will have any luck claiming from the Landlords insurance or is this my no claims shot? I think it comes under the failure to maintain the building causing damage, but I am not sure...
PS
Well, as know one else has answered you I will.
In Short, YES.
What to do.
Put a claim into your insurance company, with a statement saying that the damage to your car was caused by the roof falling down (detail the damage to both car and garage.), send them copies of any corespondence you made with your landlord about the leak, and all replies, (you did keep copies?). Not forgetting your landlords details and details of the garage, a copy of your lease may also be a good idea so as to prove you had an agreement when the damage happened.
Your insurance company SHOULD then take the matter up with his insurance company.
This came from my mum who runs 32 Properties (and associated insurance, etc) for a local letting agency.
Hope that helps.
In Short, YES.
What to do.
Put a claim into your insurance company, with a statement saying that the damage to your car was caused by the roof falling down (detail the damage to both car and garage.), send them copies of any corespondence you made with your landlord about the leak, and all replies, (you did keep copies?). Not forgetting your landlords details and details of the garage, a copy of your lease may also be a good idea so as to prove you had an agreement when the damage happened.
Your insurance company SHOULD then take the matter up with his insurance company.
This came from my mum who runs 32 Properties (and associated insurance, etc) for a local letting agency.
Hope that helps.
Why can't people give all advice at the same time 
Something else.
In the lease agreement there should be a piece stating that the garage should be maintained by the landlord in a watertight condition, therefore, he has broken the contract by not sorting the leak.
Also, you need to phone your insurance company, explain what has happened, and ask them exactly what they want. They will tell you what they need to see to be able to make the claim.
Something else.
In the lease agreement there should be a piece stating that the garage should be maintained by the landlord in a watertight condition, therefore, he has broken the contract by not sorting the leak.
Also, you need to phone your insurance company, explain what has happened, and ask them exactly what they want. They will tell you what they need to see to be able to make the claim.
Don't mean to state the obvious Dan...
if your garage agreement does impose responsibility on the owner/landlord, he should be covered on his public liability insurance. Accusing him of not maintaining the roof (when he thought he had etc) might just inflame the situation and possibly result in his insurance company being more difficult (as they may feel negligence fits into the picture somewhere). Unforseen circumstances like extreme weather conditions are another possibility and something insurance co's have to deal with all the time. Get the landlord on your side - if he owns a lot of property it will probably (almost certainly) make no difference whatsoever to his insurance premiums if he handles your claim.
Good luck!
if your garage agreement does impose responsibility on the owner/landlord, he should be covered on his public liability insurance. Accusing him of not maintaining the roof (when he thought he had etc) might just inflame the situation and possibly result in his insurance company being more difficult (as they may feel negligence fits into the picture somewhere). Unforseen circumstances like extreme weather conditions are another possibility and something insurance co's have to deal with all the time. Get the landlord on your side - if he owns a lot of property it will probably (almost certainly) make no difference whatsoever to his insurance premiums if he handles your claim.
Good luck!
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