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Remus2004
Remus2004, Barrister
Category: Property Law
Satisfied Customers: 70813
Experience:  Over 5 years in practice.
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I do not have home insurance, and during the recent bad weather

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I do not have home insurance, and during the recent bad weather we experienced in the UK. A neighbour has come to my home to tell me a tile from my roof has damaged her car, and she is demanding payment and a copy of my home insurance policy. She was not parked on my property, and my roof is in good state (I even have a letter my builder has compose to state my home condition is excellent prior to the incidence). Am I right in saying that I am not liable for the damage due to the storm/wind being an act of God/natural weather? I can not predict the weather, and I was not negligible with my roof. Therefore, I do no not believe I should pay for this. However, I want to understand where we both stand in relation to the law. She has knocked on my door several times, which my children have answered, whilst I have been at work. Thus- I would like to rectify this issue as soon as possible.
Were tiles being blown down all over the place in your area?
Customer: replied 1 year ago.
In my local area, it knocked a few trees out, few fences have been damaged, and yes tiles from other homes. Wind was 80/100mph so very excessive. My house is large, and sits on its own plot at the top of a hill, sitting at the highest point of the incline on my road.
What is the date of the builders letter?
Remus2004 and other Property Law Specialists are ready to help you
Customer: replied 1 year ago.
I am at work, will have to check as soon as I am home. The letter was early December as I wanted a few things in my home done. He then came round after the storm to fix when the tile had come off. He took a look all over the roof and said everything fine, and he will put in writing for me
Customer: replied 1 year ago.
What are the options for me?
Are you ready now?
Customer: replied 1 year ago.
Yes
All the best.