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Re: Doris is on her way [Re: granny] #1031304
23rd Feb 2017 1:44pm
23rd Feb 2017 1:44pm
Joined: May 2011
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Upton
paxvobiscum Offline
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Look at many photos on Wirral Globe website. Think it worst damage and disruption in years. My fence panels are down but it could have been worse.

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Re: Doris is on her way [Re: granny] #1031307
23rd Feb 2017 2:04pm
23rd Feb 2017 2:04pm
Joined: Jun 2011
Posts: 16,539
Wirral
granny Offline OP
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Humankind has not woven the web of life. We are but one thread within it. Whatever we do to the web, we do to ourselves. All things are bound together. All things connect.
~Chief Seattle
Re: Doris is on her way [Re: granny] #1031308
23rd Feb 2017 2:12pm
23rd Feb 2017 2:12pm
Joined: Dec 2013
Posts: 157
Seacombe
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keef666 Offline
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Seacombe
Well had a phone call from my boss, saying don't go in to work this afternoon as the place is closed due to the roof being blown off, i hope i still get paid though!

Re: Doris is on her way [Re: granny] #1031309
23rd Feb 2017 2:17pm
23rd Feb 2017 2:17pm
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Birkenhead
diggingdeeper Offline

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The Cleveland Street one looks bad, poor construction lacking adequate wall ties on a large wall.

Its the pay and display car park outside Collins Steel by the Treasury Building.

[Linked Image]


In a time of universal deceit - telling the truth is a revolutionary act. George Orwell

We should judge our economy by the absence of poverty, not the number of billionaires - Jeremy Corbyn
Re: Doris is on her way [Re: diggingdeeper] #1031312
23rd Feb 2017 3:27pm
23rd Feb 2017 3:27pm
Joined: Oct 2009
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between heaven & hell
starakita Online content

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between heaven & hell
I've been out in it today in the car,only up to my sisters to feed her cat & let him out.hope her & the family will be ok,they're travelling back from Harrogate,my nephew had his passing out parade this morning.I'ts been so bad I havn't took the dog out yet but it's looking a bit brighter now & the wind seems to have calmed down a bit


no1s gonna keep me from u
Re: Doris is on her way [Re: granny] #1031319
23rd Feb 2017 5:53pm
23rd Feb 2017 5:53pm
Joined: Mar 2010
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Heswallish
F
fish5133 Offline
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Heswallish
Most debris ive seen from storm. Lucky that wall didn't kill someone. Plenty of firewood 2 full Trees on verge down by Asda Woodchurch , Tree down blocking whalley lane has been cleared, lots of large branches everywhere ..lets hope no one seriously hurt Glad you got back Kitty Kat.
Already had one customer phone up to come and put back his fence panels. Thank you Doris and goodbye.

Re: Doris is on her way [Re: fish5133] #1031331
23rd Feb 2017 8:07pm
23rd Feb 2017 8:07pm
Joined: Dec 2013
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Upton, Wirral
L
locomotive Online content
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Parked outside a shop today, tile came off roof and smashed my panoramic sunroof, then you find out it's classified as "Act of God", claim on your car insurance pay your excess and a higher premium next year, lovely. Seeing those cars in Cleveland Street, how will they get on?

Re: Doris is on her way [Re: locomotive] #1031334
23rd Feb 2017 8:36pm
23rd Feb 2017 8:36pm
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Wirral
granny Offline OP
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I'd dispute that Loco. It's a bit outdated now, considering this country is supposed to be secular.

Must come under the 'miss-representation' laws.


Humankind has not woven the web of life. We are but one thread within it. Whatever we do to the web, we do to ourselves. All things are bound together. All things connect.
~Chief Seattle
Re: Doris is on her way [Re: granny] #1031337
23rd Feb 2017 9:00pm
23rd Feb 2017 9:00pm
Joined: Jul 2011
Posts: 3,621
Wirral
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venice Offline

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Loco - does the rest of the roof look in good nick? If its not in good condition then it could be negligence on the shops part maybe - and in any case they should have third party .

Re: Doris is on her way [Re: granny] #1031354
24th Feb 2017 12:09am
24th Feb 2017 12:09am
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Posts: 12,800
Birkenhead
diggingdeeper Offline

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I'd also dispute it loco, tiles falling off the roof are generally the liability of the owner, act of god may only apply if the wind was exceptionally high, the wind we had today would normally be expected to happen a number of times in a ten year period and so are not exceptional when compared to the lifetime of a roof.

If you claim on your own vehicle insurance (which is the normal procedure) then they in turn should claim from the shop and you should not be penalised.

Quote
It is not uncommon for slates to tear off buildings in high winds and damage other properties or vehicles. In the latter case, the car owner’s insurer is likely to pay initially, and then pursue the insurer of the person who owned the roof from which the tiles came. Here, the roof owner’s insurer should pay out without quibble under the third-party liability element of the buildings cover.


If your vehicle insurers choose not pursue the claim then complain through the insurance ombudsman (Finance Ombudsman) procedure.

SOURCE


In a time of universal deceit - telling the truth is a revolutionary act. George Orwell

We should judge our economy by the absence of poverty, not the number of billionaires - Jeremy Corbyn
Re: Doris is on her way [Re: granny] #1031379
24th Feb 2017 8:34pm
24th Feb 2017 8:34pm
Joined: Mar 2010
Posts: 3,965
Heswallish
F
fish5133 Offline
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Heswallish
Storm Damage is not an "act of God" ?

Re: Doris is on her way [Re: fish5133] #1031380
24th Feb 2017 10:46pm
24th Feb 2017 10:46pm
Joined: Jul 2008
Posts: 12,800
Birkenhead
diggingdeeper Offline

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Originally Posted by fish5133
Storm Damage is not an "act of God" ?


Some solicitors say it is and some say its not, and that is how solicitors get rich.

The England/Wales legal Tort (ie non-contractual) definition makes it just about impossible for anything to be an act of God by the line "which could not have been prevented by any amount of foresight, plans, and care."

Using "any amount" instead of the usual "reasonable" in the definition makes it pretty absolute that nothing can be an act of God.

Quote
An act of God is an unforeseeable natural phenomenon. Explained by Lord Hobhouse in Transco plc v Stockport Metropolitan Borough Council as describing an event;

(i) which involve no human agency
(ii) which is not realistically possible to guard against
(iii) which is due directly and exclusively to natural causes and
(iv) which could not have been prevented by any amount of foresight, plans, and care.


In a time of universal deceit - telling the truth is a revolutionary act. George Orwell

We should judge our economy by the absence of poverty, not the number of billionaires - Jeremy Corbyn
Re: Doris is on her way [Re: granny] #1031406
25th Feb 2017 3:23pm
25th Feb 2017 3:23pm
Joined: Jul 2011
Posts: 3,621
Wirral
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venice Offline

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Wirral
So that means if fish claimed on his OWN insurance - its refused as an act of God on the grounds that it complies as far as fish is concerned , with all rules (i)-(iv) ? (ie the roof wasnt his to be able to do anything about.)

but NOT an act of God if the shopkeeper calls on his own insurance because HE, COULD realistically have guarded against it (ii)--by a large amount of forsight planning and care (iv) ? Does that mean the only course for fish is to sue the shopkeeper?

That means the insurers cant lose !!! Oh yeah, I forgot, they rarely do!




Re: Doris is on her way [Re: granny] #1031409
25th Feb 2017 6:06pm
25th Feb 2017 6:06pm
Joined: Jul 2008
Posts: 12,800
Birkenhead
diggingdeeper Offline

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Insurance is a contract and so is not governed by TORT, insurance companies can make up their own rules by writing them into the contract/policy, their definition of "act of God" does not have to be the same as the TORT one.

Third party liability on insurance is usually less strict than a self-claim but its still whatever is in the insurance rules.


In a time of universal deceit - telling the truth is a revolutionary act. George Orwell

We should judge our economy by the absence of poverty, not the number of billionaires - Jeremy Corbyn
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