Public Liability Insurance

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

    Public Liability Insurance


    A large tree which is in my neighbours garden has blown over and landed on the roof of my portacabin causing extensive damage.
    My Portacabin is not insured.
    Am I not wrong in assuming that if my neighbour has his house insured his policy will automatically have Public Liability Insurance which would cover incidents like this.

    Any advice gratefully received.

    #2
    Was it predictable? Was it an apparently healthy tree or was neighbour (or you) digging around it or trenching (for example).

    If it is just one of those things, you are responsible. If you caused it, you may be responsible for sorting out your neighbour's problems as well.

    Comment


      #3
      There is no legal requirement for house insurance. I'm not sure that lenders are concerned about public liability insurance. So, whilst it is likely that there is public liability insurance, there may not be.

      The existence of such insurance is irrelevant to who is liable, and, as already pointed out, you need to establish negligence before the neighbour needs to worry, at all.

      Comment


        #4
        If this was a healthy tree then the only person at fault is Mother Nature and unfortunately this means you will have to repair the damage yourself.

        If you feel the tree was not healthy or there is another reason you believe that your neighbour could have contributed to the falling of the tree (either through neglect or by something they have done), then there could be grounds to make a claim against your neighbour (whether they are insured or not).
        Steve Smith - Company Director at a leading Landlord Insurance broker with 18+ years experience in the industry
        LandlordZONE Verified Poster and Topic Expert for Landlords Insurance since 2009
        See my profile for contact details

        Comment


          #5
          Originally posted by Always Problems View Post
          Am I not wrong in assuming that if my neighbour has his house insured his policy will automatically have Public Liability Insurance which would cover incidents like this?
          No, you are wrong.
          It's possible, but you can't assume it.

          Not that it really matters to you.
          If you have a valid claim (duty of care, negligence and reasonably foreseeable damage), they're liable whether or not they've insured against the likelihood.
          If you don't have a claim, the insurance wouldn't pay out anyway.
          When I post, I am expressing an opinion - feel free to disagree, I have been wrong before.
          Please don't act on my suggestions without checking with a grown-up (ideally some kind of expert).

          Comment


            #6
            I should add the tree is on the opposite bank of a stream (his side) the tree is growing at a 45 degree angle so over the years it started to grow over my fence at an angle. 20 years ago I placed a portacabin at my boundary (when the tree was smaller) now the tree is so large that it has fallen down, straddling the stream, when it hit my portacabin a branch broke off, the remained of the branch went down the portacabin window, breaking it and now rests on the window ledge, holding the tree up.
            My neighbour has accused me of pushing the portacabin into the tree to break the window.
            I understand that during the last 20 years no attempt by the tree owner has occured to reduce the tree by lopping branches off.

            Comment


              #7
              Did you ever warn them that the tree posed a risk to your property? Was that in writing?

              Comment

              Latest Activity

              Collapse

              • Other owner not adequately insured.
                hateddevil
                Hi there,

                There was a leak from the water heater in a flat that I let, the leak caused some damage to two flats below. The owner of one of the flats is claiming for the damage through her insurance.

                The owner of the other flat has contacted me and told me that she only has...
                24-09-2018, 16:08 PM
              • Reply to Other owner not adequately insured.
                hateddevil
                Thank you for your response.

                The water heater in my flat leaked, causing water damage to two flats below. The issue is that one of the owners affected below only has contents insurance so she can’t claim through her insurance, and my insurance won’t deal with her as she can’t claim...
                24-09-2018, 18:33 PM
              • Reply to Other owner not adequately insured.
                leaseholder64
                Also, it is unusual for building insurance not to be the responsibility of the freeholder.
                24-09-2018, 17:15 PM
              • Reply to Other owner not adequately insured.
                leaseholder64
                Were you to blame? If so, it will come out of your pocket even if the other person is insured, as their insurer will claim from yours. You do have public liability insurance?

                If you weren't to blame, the neighbour will fail if they try to sue you.
                24-09-2018, 17:11 PM
              • I want advice not information
                __chris__
                Most insurance companies and brokers seem to say that they "provide information about our products and services so that you can make you own decision".

                I don't want this. I want to be able to explain my situation to a firm and for them to say "Right, based on what you have...
                24-09-2018, 17:04 PM
              • Insurance dispute
                stuco
                Hi, looking for some advice. We currently have a 1 bed property that the tenants have abandoned. On entering there is a major damp problem which seems to be stemming from one particular point in the wall at just above skirting level. Only pipe behind there is a plastic overflow pipe from the ground...
                10-09-2018, 10:03 AM
              • Reply to Insurance dispute
                Interlaken
                'Galley bedroom' is a new one on me! I wouldn't claim for this sort of repair - your premium will only go up and you seem to have identified the problem.
                24-09-2018, 09:00 AM
              • Building insurance-going from joined ownership to company can save you money?
                paduk
                Hello,
                I am trying to get a quote for a building insurance.

                The property is a three storeys (plus roof extension) Victorian terrace house which has been converted into three flats owned by three different people.

                The property is share of freehold where us leaseholders...
                10-09-2018, 13:32 PM
              • Reply to Building insurance-going from joined ownership to company can save you money?
                ashburnham
                Insuring the property as a whole is the best way to go about things and will definiately give you a lower premium than insuring each flat separately. Whether you do this in joint names (i.e. with all leaseholders noted as the policyholder) or in a single company name would have no bearing on the pr...
                10-09-2018, 13:54 PM
              • Reply to Insurance dispute
                JK0
                Oh, well that's why it's important to take lots of photos as you investigate.

                Insurers might even agree your claim once you send them.
                10-09-2018, 11:18 AM
              Working...
              X