A roof tile fell onto my parked car — do I claim from my insurer or the property owner?
What should you do?
- Photograph the car, tile and building before anything is moved if safe to do so.
- Record weather conditions and any obvious state of disrepair.
- Get the property owner's or occupier's details.
- Your insurer may consider recovery from another party if there is evidence of negligence.
What can make a difference?
The result can depend on your level of cover, exclusions, excess, information given when the policy was arranged or renewed, who was driving, and the precise circumstances. Two policies both described as “comprehensive” can still contain different terms.
An owner is not automatically liable for every tile that falls, particularly during exceptional weather.
A falling tile does not necessarily mean the property owner was negligent. Your own comprehensive policy may cover accidental damage, while any claim against the owner can depend on why the tile fell and whether a known defect had been ignored.
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