Hi all,
Can I just run the following past the experts here regarding whether or not it is possible to claim on my neighbour insurance...
Two days ago, a tree on the local farmers land fell across a stream and road before falling onto my wife's car. Damage is relatively minor but the front windscreen is smashed and the bonnet will need replacing.
My understanding is that this is normal covered under an "act of god" such that it will be necessary to claim from my wife's car insurance.
However, there is additional facts which may enable us to claim of his insurance. First, the tree was obviously dead and in poor condition. Secondly, this isn't the first tree to fall - it is the third tree in six months to fall down. Thirdly, a few years ago I had a verbal conversation with him stating that I thought that the trees were unsafe and something needed to be done about them - unfortunately I don't remember the exact details of what was said. Finally, my neighbour (who received the unwanted attentions of the first two trees) also verbally stated that additional trees were in a poor condition and something needed to be done about them.
Would these additional facts give us a good case to claim off the farmers insurance? If so, how difficult is it to do and is it worth it?
The downside of going down this route is that we have good relations with the farmer in question at the moment and don't want to lose this if possible for a relatively small loss. It would have been nice for him to knock on the door or leave a note though - we have had nothing.
Thanks for any comments.