RoadkillUK
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| posted on 4/6/08 at 06:06 PM |
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Garden wall - House Insurance
Myself and my neighbour share a wall. This is the wall ...
It's in a bit of a state, on my side as you can see it's not very stable. My question is, what is the chance that my insurance would pay
out for it to be rebuilt if it falls over?
Roadkill - Lee
www.bradford7.co.uk
Latest Picture (14 Sept 2014)
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eznfrank
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| posted on 4/6/08 at 06:10 PM |
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As with all insurancey type stuff it depends on a multitude of factors, such as whether the neighbour also has any liability, why it fell over, state
of repair etc etc.
I'd have a stab in the dark guess at "no".
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MikeR
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| posted on 4/6/08 at 06:23 PM |
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and if you're insurance company comes on here they'd have a chance of a case of fraud if they believed it didn't 'fall'
of its own accord 
surely your talking about your 'friends' wall!
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iank
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| posted on 4/6/08 at 06:31 PM |
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Walls are usually owned by one side or the other not shared in my experience. What do the deeds show?
If it's yours you need to check the fine print to see if it's covered. But it looks dangerous IMO.
--
Never argue with an idiot. They drag you down to their level, then beat you with experience.
Anonymous
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miikae
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| posted on 4/6/08 at 07:29 PM |
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Where the wall butts up to the building is it aligned with the house party wall centraly or more to one side or the other , if it is central then i
would suggest that it could be both housholders responsibility, either side of the centreline would indicate whose responsibility it really was as it
would be on there land . Having said that still check your deeds to make certain .
Mike
If it can be done it i will be done .
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Avoneer
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| posted on 4/6/08 at 08:06 PM |
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Most house insurance covers you for accidental damage outside, including adjoining neighbous bits.
If at a bbq, you and 12 mates accidentaly leant on the wall and it fell over, I think you would be covered.
Pat...
No trees were killed in the sending of this message.
However a large number of electrons were terribly inconvenienced.
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skodaman
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| posted on 4/6/08 at 10:46 PM |
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I jointly own a few walls with the neighbours. I'd guess yours is as well. Seeing as it's real stone and not very long I'd pull it
all apart and cement it back together. Get them to pay for sand and cement if u do all the work. Wouldn't be very expensive anyway, and an
easy job compared to building a car. Check the deeds first though cos if it's not yours they should get it sorted, and it doesn't look
particularly safe.
Skodaman
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eccsmk
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| posted on 4/6/08 at 10:52 PM |
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ring insurance tell them its fallen over and ask if they will pay out
if they say no you have your answer
if on the other hand they say yes start pushing it over 
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dhutch
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| posted on 4/6/08 at 11:11 PM |
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quote:
Originally posted by eccsmk
ring insurance tell them its fallen over and ask if they will pay out
if they say no you have your answer
if on the other hand they say yes start pushing it over
Sounds the safest route.
- Alse move onto skodamans job, and just lay them out and rebuild the same way.
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Macbeast
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| posted on 5/6/08 at 12:23 AM |
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quote:
--------------------------------------------------------------------------------
Originally posted by eccsmk
ring insurance tell them its fallen over and ask if they will pay out
if they say no you have your answer
if on the other hand they say yes start pushing it over
---------------------------------------------------
Not a good idea to screw around with insurance companies IMHO. They all have voice pattern recognition devices on the telephone which can give
indication that you may be lying. If they find you're making a fraudulent claim they can cancel your insurance - and this would be your house
buildings insurance ?
So when you try to re-insure, how do you answer the question "have you ever had an insurance policy refused ? " And there you are unable
to get buildings insurance for your house.
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02GF74
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| posted on 5/6/08 at 11:13 AM |
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can you not share the cost with the neighbour?
by the look of the little kiddies toys in the yard, he has more of a vested interest to get it sorted surely?
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