Legal bods required (Insurance claim)

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26 Dec 2003
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Hi,

I received a letter this afternoon notifying me that a claim has been put forward against our property by a neighbour. The claim is regarding supposed 'extensive damage' to the neighbours' garage again supposedly caused by a branch of what we believe to be an elm tree on our property. They are claiming a branch has fallen off in high winds on October the 3rd 2009 and impacted their garage roof.

Bear is mind this is the first correspondence we have received to this date. They are holding us liable for this damage to the sum of £3933. Also bear in mind the garage has already been repaired fully without our knowledge of this 'incident' ever happening.

What strikes us as strange is the time-line. Almost 6 months down the line we receive this letter knowing nothing beforehand and also with no proof of it ever happening. Just to put it into perspective, this tree is between approximately 35-40 feet tall, has already been extensively trimmed and is also approximately 30 feet away from said garage. This is part of a row of 7 trees belonging to various owners (they are also listed trees so we cannot touch them without permission). We can only trim them to our council's specifications.

By the way, this isn't a literal neighbour. The trees are situated at the rear of our garden. This lies next to the rear of the claimants back garden. Their house is actually situated on the adjacent road to ours.

For a branch to have caused the 'extensive damage' it would have had to have been very large and obviously very heavy. This somewhat negates the possibilities it has travelled at least 30 feet. As far as I know this would require far higher than gale force winds.

According to this letter we have received, we have been put on 'notice' regarding our trees and the danger they pose in high winds. They even go as far to say that these trees pose a danger of falling down. This is absolutely absurd. The trees have been standing strong and tall for what we believe to be over 60 years. We have never received such a notification and neither have any of our neighbours.

We have been in contact with their solicitors and questioned their proof in which there doesn't seem to be any anyway. When asked about the proof they just seemed to dodge.

That is all I can think of at the moment. Is there any chance in hell of this going any further than it already has? The letter informed us that we have 21 days to pay or face court.

Any help or assistance would be greatly appreciated. If you require any further information about the matter please ask. I'm hoping all of you legal bods out there can reassure me on this peculiar situation!

Many thanks.
 
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Their own house insurance should cover this.

There is no way they can prove the branch came from a tree on your property.

I find it hard to believe that a branch could cause £3,933 of damage to a garage roof.

Go round and tell them that is they do not drop it they will be hearing from your own solicitors.
 
Pass it on to your house insurers, let them deal with it :)

Why? His insurers probably won't cover third party damage. The neighbours own insurance should cover it.

I'd be contacting your own solicitor. Sounds like it'd get thrown out before getting to court tbh, especially if their solicitor is denying your request to see the evidence to prepare your case.
 
Go round and tell them that is they do not drop it they will be hearing from your own solicitors.

Do not do this. They are pulling a fast one and cannot be trusted. If you go round there they could easily spin it into harassment.

Pass it onto your house insurers. As you have stated, the trees are protected and you are basically not allowed to touch them, so they will have an interesting case trying to prove you were negligent, which is the basis of any insurance claim.
 
I'm sure his house insurance has a public liability clause - he is being pursued for money by a third party due to something which allegedly arose from something on his property so it would fall under a public liability claim.

Sounds to me like they got it repaired under the impression their insurance would pay up, then their insurance kicked up a fuss and isn't paying out so they have been advised to pursue you for it. Pass it to your insurers, let them do the usual insurer spat, work something out, and charge you both more in premiums for the privilege of it.

Cynical, moi? :p
 
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I'm sure his house insurance has a public liability clause - he is being pursued for money by a third party due to something which allegedly arose from something on his property so it would fall under a public liability claim.

My uncle's car was severely damaged in a storm last year when a lightning strike on a neighbours house caused a roof tile to land on his car. He had to claim on his car insurance as the home insurance wouldn't pay out.

Give me a week to start my new job and I'll be able to get some proper facts :p
 
Thanks for the replies!

This whole thing stinks really. We can't understand where they are going with it. I haven't had the chance to contact our home insurers as of yet. This first thing I did was contact the claimants solicitors.

Just to clarify, their home insurance company is claiming directly against us (the occupiers) and not our house insurance. Sorry if this wasn't clear. Surely they would have asked for details for our house insurance.

Surely this is just an 'Act of God'. How in any way are we or our insurers liable for this? They have no proof whatsoever and we are actually doubting this even happened at all.

Even the price they have stated is completely ludicrous. We received a quote for the work with the other documents. The dimensions of their garage are: L:9.3m W:2.7m and H:3.1m. You can't seriously be telling me they paid nigh on £4k for the repair of this roof?!
 
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Thanks for the replies!

This whole thing stinks really. We can't understand where they are going with it. I haven't had the chance to contact our home insurers as of yet. This first thing I did was contact the claimants solicitors.

Just to clarify, their home insurance company is claiming directly against us (the occupiers) and not our house insurance. Sorry if this wasn't clear. Surely they would have asked for details for our house insurance.

Surely this is just an 'Act of God'. How in any way are we or our insurers liable for this? They have no proof whatsoever and we are actually doubting this even happened at all.

Even the price they have stated is completely ludicrous. We received a quote for the work with the other documents. The dimensions of their garage are: L:9.3m W:2.7m and H:3.1m. You can't seriously be telling me they paid nigh on £4k for the repair of this roof?!

They are clearly trying to scam you and get out of paying for it themselves.

They have to claim against you as you. This is standard procedure. Pass it to your insurers asap!

It is an act of god. They would HAVE to prove negligence.

The cost is the cost they have quoted. At the moment, it is the least of your concerns.

The fact that they have a solicitor should not worry you. The solicitor will have taken on the case regardless of their own views, as they get paid anyway. (Solicitors are all crooks btw) ;)
 
They are clearly trying to scam you and get out of paying for it themselves.

Definitely. But it is also the part we don't understand. Surely if the roof has been repaired they have already gone through their home insurance? If so, then why are said insurance company coming after us for nigh on £4k?
 
To cause the amount of damage they are claiming, it would have to be a rather large chunk of tree that fell on their property. Are there any signs of damage to the tree itself?
 
To cause the amount of damage they are claiming, it would have to be a rather large chunk of tree that fell on their property. Are there any signs of damage to the tree itself?

None whatsoever. This tree isn't even substantial enough to hold branches big enough to cause damage. This is before even taking the distance into account (at least 30 feet).
 
Definitely. But it is also the part we don't understand. Surely if the roof has been repaired they have already gone through their home insurance? If so, then why are said insurance company coming after us for nigh on £4k?

Not necessarily. They could easily have needed the work doing anyway, balked at the cost, paid it up and then decided to claim. Some people are this stupid.

But this is none of your concern if they are. Get your insurance company onto it pronto!
 
With your own home insurance (I know u said they are doing it direct) but do you get free legal help with this.....then use it. Some you get free legal cover with other thing you may have.

If not pop down CAB.


Does seem a bit high on price. Can you search high and low on the internetz for the weather in your area for 3rd october. To even verify the weather condition were windy.


e.g

http://www.jbest.net/weather/weatherSearch.aspx
 
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We definitely had windy weather around that time of year. I did a bit of searching and this is all I could come up with really http://www.wunderground.com/history/airport/EGNM/2009/10/3/DailyHistory.html. If you scroll down you can see the hourly wind data. I have no idea how accurate this is. The wind speeds were high but still not enough to break off a branch and it then travel 30 feet. There is also no visible damage to ours nor any other tree in the row.

Regardless of this, the tree in question has been trimmed to within the councils specification so surely this is still an 'Act of God'.
 
As previously stated your insurance company would provide cover for this under public liability.

For the liability to be picked up by the insurer, you would have to be negligent.

Generally this means that you were aware of this issue with the branch of the tree and chose not to do something about it.

If the issue was just caused by high winds / storm, then you were not negligent and no claim can be made against you.

Best thing to do is pass it to your insurers to defend on your behalf.

Rik
 
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