Fallen tile damage to my 1999 316i

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  1. Fallen tile damage to my 1999 316i 
    #1
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    davrostavros's Car Details
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    Hello,

    We have had really bad 90mph winds here today and a number of cars in my street have been damaged, most with smashed windows. I have been 'lucky' in that my windows have survived but have not escaped tiles hitting my car.

    I only have TPFT for my insurance so am assuming that the damage from tiles would not be covered (though it is protected).

    I know my car is not worth a lot of money, probably less than £2k so would like to know what the best thing to do would be - what kind of repairs should I carry out as I dont want to spend too much money.

    I have attached some pictures of the damage, it is above the drivers door and I think the tile has 'tumbled' across the roof. Two panels have been affected.IMG_0485.jpgIMG_0484.jpgIMG_0486.jpgIMG_0487.jpgIMG_0488.jpgIMG_0489.jpgIMG_0490.jpg
     
     

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    #2
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    Was it your tiles? Or a neighbours?

    Dunk
     
     

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    I'd have thought you could claim on the home insurance if it was from a falling roof tile. As per bratty's reply was the tile from your property or a neighbours?

    If it was a neighbours, Claim!
    If it was yours, weigh up to premium increase on your policy compared to you paying to have it fixed yourself.
     
     

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    #4
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    It was from a neighbours though I cant tell which, all of the houses nearby have tile off their roof
     
     

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    Pick the one you don't like then
     
     

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    Prevolent Wind Direction at the time! Witnesses! Evidence!

    Realistically you are up against it, but if you feel like you have just cause! And it was not contributed by any fault by yourself, then??

    Dunk
     
     

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    Not good news, I cant get the repair done from whoevers tike it was and went to my local garage (that I trust) and they said that to repair would be about £750. They arent a bodyshop though. I also phoned my insurance company and they said that it wasnt covered by my policy (didnt think it would be as I only have TPFT).

    I have noticed some rust starting to appear after only a couple of days - garage suggested emery, sand off the rust, put on some primer then some colour. I think Ill take it to a proper bodyshop to get a quote - its really frustrating, gutted about the state of the car.

    Any advice from people???

    Hi all,

    My car had been hit by a few tiles in the recent bad weather. I cant get this on any insurance so will have to pay to repair the damage myself.

    I have had a couple of quotes, how much do you guys think that this would cost to get fixed? The main mark is above the drivers side door and the tile 'tumbled' across thew roof scratching and denting on the way. There is also a scuff/scrape on the boot as picured.

    Need to get this fixed as soon as possible as it is starting to rust, just want to get it done as cheaply as possible too.

    IMG_0490.jpgIMG_0489.jpgIMG_0488.jpgIMG_0487.jpgIMG_0486.jpgIMG_0485.jpgIMG_0484.jpg
    Last edited by xXNealXx; 19-01-2012 at 21:14.
     
     

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    Honest answer..... given its value and the damage, the car is effectively written off. If you don't know which neighbours house the tiles came off then i am also afraid any claim will get no where, are all the house roofs of the same type of tile ? Ie if you still have the tiles that hit your car can you match them up to the roof tiles on either of your neighbours roof ? If not then i would just chalk this up to fate. Sorry to be so black and white but it's best to go into this with an honest view of where you currently stand.
     
     

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    Quote Originally Posted by davrostavros View Post
    Not good news, I cant get the repair done from whoevers tike it was and went to my local garage (that I trust) and they said that to repair would be about £750. They arent a bodyshop though. I also phoned my insurance company and they said that it wasnt covered by my policy (didnt think it would be as I only have TPFT).

    I have noticed some rust starting to appear after only a couple of days - garage suggested emery, sand off the rust, put on some primer then some colour. I think Ill take it to a proper bodyshop to get a quote - its really frustrating, gutted about the state of the car.

    Any advice from people???

    Yep, as depressing as it is count yourself lucky you weren't getting in the car at the time.

    Silver lining


    No warranty of any kind implied or given and no liability for any loss, damage or injury, no matter how incurred accepted.

    Free Gas Kit* now fitted to free 328*

    *Based on ROI period exceeded
     
     

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    fill it yourself and get the roof vinyl wrapped.
     
     

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