Tullamore 057-9325593
Navan 046-9017211
Carlow 059-9108077
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Dublin 01-5135162
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Dundalk 042-9424138
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Tullamore 057-9325593
Navan 046-9017211
Carlow 059-9108077
Cork 021-6017148
Dublin 01-5135162
Cavan 049-4894036
Naas 045-499175
Limerick 061-579023
Dundalk 042-9424138
Monaghan 047-82039
Sligo 071-9314271
Donegal 074-9715024
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Storm Damages from Falling Trees

Storm Damages from Falling Trees


Storm DamageAn interesting storm damages enquiry we had from a client this week was, my neighbours tree fell onto my shed after the recent storm damage, can I claim from my neighbour?

We give our expert loss assessor opinion hereunder, 

The ruling from Rylands v Fletcher [1868] UKHL states that people are responsible for their own property except in the case of negligence or pollution therefore as a tree falling from storm damage onto your property from your neighbour wouldn’t be considered either, it would be the case that you would make an insurance claim via your own policy.

Had the client of being reminding his neighbour about the tree that it was a danger and looked to be about to fall, there could be an argument for negligence especially if the tree was rotten in the centre.

As there was an insurance policy in place for this event causing storm damages, we cited that it was best for our client to claim from his own policy, they appointed us to act on their behalf and insurers appointed their own loss adjuster.

The shed in question had render cracks, which penetrated into the block work, the insurers loss adjuster initially tried to deny that there was cause to rebuild the shed however it was demonstrated on site that the shed needed to be demolished and rebuilt.

It would seem unfair, if the policyholder didn’t receive the compensation he deserved to repair his loss after the storm damages, a qualified loss assessor can help in respect of these circumstances and will update you of all the events within your claim.

Insurers do try and save costs wherever possible and unfortunately when you make a claim, that cost is you.

Should you wish to contact us in relation to any insurance claim, please don’t hesitate to contact us.