My moped/motorcycle was damaged by a falling piece of masonry from a building that I was parked in front of, directly joined to my building, during a stormy night in October 2014 in the Gloucestershire area.
The moped was written off, prior to this I was informed that they would hold the building owner at fault and my policy would be void once settled, with no cancellation fee. I had attempted to contact the owner of the building through my letting agency and directly once I had received their email address, but received no response.
I contacted my insurance company to update them on this and they sent a letter to the owner of the building but have got no response.
The insurance company is now holding me to the remaining balance on the policy, £400~.
The owner of the building only responded after I sent a letter of demand to their address and proceeded to state that because it was "an Act of God", that it was not their responsibility.
I talked to some of the other tenants in my building who stated that this wasn't the first time that masonry had fallen from the roof of the building next door.
I'm unsure where I stand on this as I've had to outlay to get a new vehicle and since I was told that the insurance policy would be cancelled, I got a new one.
I'm about £800 out of pocket now due to this issue and I have no idea what I can do legally. Can I take the owner to court and do I have a case?