Roof Tile

DaveyT · 11-14-2013, 09:26 AM

I am gutted, one of my roof tiles has fell off and landed on by brand new 320d M Sport. Not a happy boy. The house insurance won't do anything because the wind was not above 47 mph. Obviously I can claim on my car insurance but there goes my excess and next years premium will no doubt take a big hit.

The damage might not look massive but it is on the edge and looks expensive to me. I'll find out next week when it goers in for repair.

browellm · 11-14-2013, 10:25 AM

That seems awfully harsh. What would the insurance co. have done if the roof tile had fallen off and killed someone?

"Sorry mate, the wind wasn't 47mph"

F30AM · 11-14-2013, 10:28 AM

I really feel for you. You must be pretty gutted.

Chrisnic · 11-14-2013, 10:31 AM

You might be surprised by how little your premium is effected by putting a claim through and as you say it could be an expensive fix.

F30AM · 11-14-2013, 10:57 AM

A similar thing happened to my Mk6 GTI. I got 'The Dentman' Martin Leach (he's the best in the country without any doubt) to straighten my roof and then gave the car to the bodyshop for repainting. Knocked hundreds of ££££ off the repair bill. You see, with bodyshops, they do not remove the dent perfectly and use an excess of filler.

Wo-Wo · 11-14-2013, 11:00 AM

Wounded for you mate, but as said above a 'no fault' claim may not hit you too hard.

ben_e71 · 11-14-2013, 11:21 AM

no point having insurance if you aren't going to claim on it when something happens.

I think you will find the 47mph rule ensures there has been an insurable incident i.e. bad weather as opposed to just poor maintenance.

F30_msport · 11-14-2013, 11:26 AM

I would put it through the car insurance, after all that is what its for.

You should also try some of those dent specialists. I have witnessed them do unbelievable work on cars without the need for spraying etc.

Awful thing to have happened to any car never mind a brand new one.

languidmandala · 11-14-2013, 12:53 PM

This is why the wife's car gets parked in front of the house. The last one took a slate to one of the doors.
Bummer that house insurance won't cover it.

billyboym3 · 11-14-2013, 02:32 PM

I cant understand how they know if it is 47mph, on the other hand wait for a windy night, gutted for you I would be seething

ben_e71 · 11-14-2013, 03:25 PM

Because they get detailed weather information.

DaveyT · 11-15-2013, 03:06 AM

Thanks everyone, it really is a sickener but hey nobody got hurt and the insurance will sort it out. I've got BMW insurance and they've been pretty swift in getting it sorted, it's booked into the body shop on Monday and will probably take 2/3 days. That said they haven't actually seen the damage yet.

The crappy curtosy car might be a challenge, I've only just got used to the great 8 speed auto gearbox. What's the betting that I stall it at the first junction

Poohbore · 11-15-2013, 06:30 AM

detailed weather information at the nearest weather station. Why don't you see if you can get the information for the appropriate day from the Met Office to check what they have said ?

Torque of the Devil · 11-15-2013, 07:45 AM

I hate insurance companies, they always have some excuse for not having to pay out, Sorry Sir you were wearing red underwear that day, have you not read the small print ?

Proftinkerpot · 11-16-2013, 01:59 AM

Name and shame the home insurance comany. I can appreciate rules to ensure accident rather than lack of maintenance as has been said but how many get up and inspect their roof each year.
Hope you get the car sorted ok.

billyboym3 · 11-16-2013, 08:27 AM

Im a contractor for several insurance companies, and i honestly think the rules and decision to whether your actually insured is so wishy washy its unbelievable. I sometimes think it depends on if the loss adjuster is in a good mood or not on that day.

FastLaneJB · 11-17-2013, 04:40 AM

If they applied car insurance to your house on the other hand a tile falling off would be a write off. They'll have to demolish your house and build you a new one

JustChris · 11-17-2013, 02:10 PM

Shame, sorry to hear that. We had a near escape earlier in the year when 10+ tiles came off. Our repair guy suggested screwing our ridge tiles down which he did across all ridges. Doesn't help your car claim but might be worth considering.

Walesy · 11-17-2013, 03:43 PM

I know how you feel mate, Gutted..I had a neighbour bounce a Bud bottle off mine (my E90), then denied it when I went to the door. I just called the police at that point. I am not surprised at the insurance company to be honest...anything to get out of it.

Hope it gets sorted prompt mate

11-14-2013, 09:26 AM	#1
DaveyT New Member 0 Rep 13 Posts Drives: White 320d M Sport F30 Join Date: Jul 2013 Location: United Kingdom iTrader: (0)	Roof Tile I am gutted, one of my roof tiles has fell off and landed on by brand new 320d M Sport. Not a happy boy. The house insurance won't do anything because the wind was not above 47 mph. Obviously I can claim on my car insurance but there goes my excess and next years premium will no doubt take a big hit. The damage might not look massive but it is on the edge and looks expensive to me. I'll find out next week when it goers in for repair. Attached Images
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11-14-2013, 10:25 AM	#2
browellm Second Lieutenant 10 Rep 258 Posts Drives: 330d Join Date: May 2013 Location: Nottingham iTrader: (0)	That seems awfully harsh. What would the insurance co. have done if the roof tile had fallen off and killed someone? "Sorry mate, the wind wasn't 47mph" __________________ F31 330d Luxury \| Mineral White \| Cohiba Brown Individual Leather \| Prof Media \| Vis pack \| Sun Protection Glass \| Harman Kardon \| Adaptive Suspension \| Sports Seats \| Lumbar \| Folding Mirrors \| Comfort Pack \| Heated Seats \| Coded: EBT
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11-14-2013, 10:28 AM	#3
F30AM Major General 706 Rep 5,021 Posts Drives: F30 330d M Sport sDrive Join Date: Aug 2012 Location: London, UK iTrader: (0)	I really feel for you. You must be pretty gutted. __________________ Previous: Superman 330d sDrive M Sport + Toys Present: Red Tornado Golf 7R 5 Dr, DSG + Toys
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11-14-2013, 10:31 AM	#4
Chrisnic Enlisted Member 0 Rep 33 Posts Drives: F31 330d sDrive Join Date: Aug 2013 Location: Oxfordshire, UK iTrader: (0)	You might be surprised by how little your premium is effected by putting a claim through and as you say it could be an expensive fix.
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11-14-2013, 10:57 AM	#5
F30AM Major General 706 Rep 5,021 Posts Drives: F30 330d M Sport sDrive Join Date: Aug 2012 Location: London, UK iTrader: (0)	A similar thing happened to my Mk6 GTI. I got 'The Dentman' Martin Leach (he's the best in the country without any doubt) to straighten my roof and then gave the car to the bodyshop for repainting. Knocked hundreds of ££££ off the repair bill. You see, with bodyshops, they do not remove the dent perfectly and use an excess of filler. __________________ Previous: Superman 330d sDrive M Sport + Toys Present: Red Tornado Golf 7R 5 Dr, DSG + Toys
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11-14-2013, 11:00 AM	#6
Wo-Wo Captain 297 Rep 701 Posts Drives: BMW M4 Comp Coupe Join Date: Jul 2013 Location: East Mids iTrader: (0)	Wounded for you mate, but as said above a 'no fault' claim may not hit you too hard.
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11-14-2013, 11:21 AM	#7
ben_e71 Private First Class 15 Rep 177 Posts Drives: 3 Join Date: Jun 2011 Location: UK iTrader: (0)	no point having insurance if you aren't going to claim on it when something happens. I think you will find the 47mph rule ensures there has been an insurable incident i.e. bad weather as opposed to just poor maintenance.
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11-14-2013, 11:26 AM	#8
F30_msport Private 1 Rep 68 Posts Drives: F30 330d MSport Xdrive Join Date: Nov 2013 Location: Ireland iTrader: (0)	I would put it through the car insurance, after all that is what its for. You should also try some of those dent specialists. I have witnessed them do unbelievable work on cars without the need for spraying etc. Awful thing to have happened to any car never mind a brand new one.
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11-14-2013, 12:53 PM	#9
languidmandala Lieutenant 9 Rep 437 Posts Drives: F30 320d xdrive Sport MT Join Date: Apr 2013 Location: Glasgow iTrader: (0)	This is why the wife's car gets parked in front of the house. The last one took a slate to one of the doors. Bummer that house insurance won't cover it. __________________ Jet Black F30 320d xdrive MT Red Anthracite/coral red finisher 17" 392s Advanced Parking package, Pro Media, HUD, speed limit display, heated and electric front seats. Halogens!!
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11-14-2013, 02:32 PM	#10
billyboym3 Private First Class 11 Rep 173 Posts Drives: BMW 520D Join Date: Nov 2013 Location: Oxford iTrader: (0)	I cant understand how they know if it is 47mph, on the other hand wait for a windy night, gutted for you I would be seething
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11-14-2013, 03:25 PM	#11
ben_e71 Private First Class 15 Rep 177 Posts Drives: 3 Join Date: Jun 2011 Location: UK iTrader: (0)	Because they get detailed weather information.
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11-15-2013, 03:06 AM	#12
DaveyT New Member 0 Rep 13 Posts Drives: White 320d M Sport F30 Join Date: Jul 2013 Location: United Kingdom iTrader: (0)	Thanks everyone, it really is a sickener but hey nobody got hurt and the insurance will sort it out. I've got BMW insurance and they've been pretty swift in getting it sorted, it's booked into the body shop on Monday and will probably take 2/3 days. That said they haven't actually seen the damage yet. The crappy curtosy car might be a challenge, I've only just got used to the great 8 speed auto gearbox. What's the betting that I stall it at the first junction
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11-15-2013, 06:30 AM	#13
Poohbore Second Lieutenant 8 Rep 252 Posts Drives: Mineral White F31 xDrive Join Date: Feb 2013 Location: uk iTrader: (0)	detailed weather information at the nearest weather station. Why don't you see if you can get the information for the appropriate day from the Met Office to check what they have said ? __________________ 320d SE xdrive Mineral White Touring
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11-15-2013, 07:45 AM	#14
Torque of the Devil Banned 579 Rep 1,148 Posts Drives: 440i Gran Coupe Join Date: May 2013 Location: Hampshire, UK iTrader: (0)	I hate insurance companies, they always have some excuse for not having to pay out, Sorry Sir you were wearing red underwear that day, have you not read the small print ?
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11-16-2013, 01:59 AM	#15
Proftinkerpot Major 219 Rep 1,359 Posts Drives: F30 335d M Sport -Superman Join Date: Nov 2013 Location: Belfast iTrader: (0)	Name and shame the home insurance comany. I can appreciate rules to ensure accident rather than lack of maintenance as has been said but how many get up and inspect their roof each year. Hope you get the car sorted ok.
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11-16-2013, 08:27 AM	#16
billyboym3 Private First Class 11 Rep 173 Posts Drives: BMW 520D Join Date: Nov 2013 Location: Oxford iTrader: (0)	Im a contractor for several insurance companies, and i honestly think the rules and decision to whether your actually insured is so wishy washy its unbelievable. I sometimes think it depends on if the loss adjuster is in a good mood or not on that day.
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11-17-2013, 04:40 AM	#17
FastLaneJB Captain 75 Rep 646 Posts Drives: 2018 BMW M760Li Join Date: Aug 2013 Location: East England iTrader: (0)	If they applied car insurance to your house on the other hand a tile falling off would be a write off. They'll have to demolish your house and build you a new one
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11-17-2013, 02:10 PM	#18
JustChris General 17488 Rep 25,115 Posts Drives: Tesla MYRWD Join Date: Jul 2013 Location: UK iTrader: (0)	Shame, sorry to hear that. We had a near escape earlier in the year when 10+ tiles came off. Our repair guy suggested screwing our ridge tiles down which he did across all ridges. Doesn't help your car claim but might be worth considering. __________________ My car made front page of Bimmerpost
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11-17-2013, 03:43 PM	#19
Walesy 24 cans in a case, 24 hours in a day Hmmmmmm 79 Rep 1,152 Posts Drives: BMW G30 MSport Join Date: Jul 2009 Location: Glasgow iTrader: (1)	I know how you feel mate, Gutted..I had a neighbour bounce a Bud bottle off mine (my E90), then denied it when I went to the door. I just called the police at that point. I am not surprised at the insurance company to be honest...anything to get out of it. Hope it gets sorted prompt mate __________________ Present: G30 530D XD MSport E84 X1 20D LUX
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