Wendy house has blown into nightmare neighbours car and cracked rear light.

[user1488481370]

We’ve actually very recently had to move because of these neighbours (my in laws/OH’s brother and his partner) and their harassment/threats however OH still owns the house.

Kids had a Wendy house, the house we’re renting doesn’t currently have a garden or anywhere to store it. Wendy house was in a corner between a wall which is at least 5 feet and OH’s house. We’ve had storms before and it’s never blown over the wall before, we did have a 10kg bag of play sand on the roof too.

We had BIL banging on our door this morning going absolutely mad because the Wendy house had blown over the wall and cracked his partner’s car’s rear light. Demanded payment there and then. Really quite scary when I was on my own with 4 children. Threatened to ring the police if he didn’t calm down and told him to go away and ring me about it later.

We’re wondering if it would be covered under OH’s house insurance or is it an act of god? They’ve reacted completely out of proportion to the issue. Despite everything they’ve done it doesn’t sit right with either myself or OH to not pay for the damage caused and I really don’t want any more aggro as I’m finding it quite triggering.

Posted here for traffic really but WWYD? Or what should we be doing?

@ThePlantsitter

People on mumsnet aren't going to be able to tell you what your insurance covers. Ring the insurance company and make a claim.

Yes, you should pay for it. Must be horrible falling out with neighbours who are family, but your wendy house damaged their car so you need to take responsibility. If you do it through insurance hopefully you can do that without actually having to talk to them.

Insurance never covers stuff like this unless you would be legally liable.

Form everything stated there would be no legal liability.

A lot of people seem to think there is strict liability for these things - i.e. it was your wendy house means you are automatically liable - but that's not the case.

Thank you @CorsicaDreaming. When I was looking at them because of my neighbour I knew I couldn’t get one. However as he’s a family member you can.

I believe they are free to apply for. I’d suggest you consider how you will allow contact regarding the legal matters of the properties. PO Box maybe.

So your nightmare neighbours are your partner's brother? Wow that is quite shocking. His brother is threatening his own family?

@Workinghardeveryday

You are covered under the Liability section of your home insurance, however the cost to repair the car would lightly fall with your excess amount on the policy or be just over. If you do claim it will increase your renewal premium.

You are covered under the Liability section of your home insurance, This is true, but only for things for which you are legally liable - OP doesn't appear to have liability here.

@BoredZelda

We’ve had no warning about the weather

Then you weren't paying attention.

The weather warnings weren't for the whole country. We didn't have them in the SE.

Based on things they've done which weren't acts of god (unless you can count the devil controlling them if you believe in this sort of thing), then I'd have laughed in his face and told him to send the bill to god.

I remember your previous thread, OP, and your BIL sounds like a complete nightmare. And I think it's shocking that the police wouldn't do anything, given that he already has a GBH conviction for the assault on your DH and that this could be a sign that his behaviour is escalating.

If the non-mol is feasible, I'd go for it, tbh.

And yes, for the sake of shutting him up, I'd buy the part for the light and maybe even fit it to save the labour charge. I can't see that you're liable though, wind damage is usually an act of God.

It’s a really scary position to be in. I was sat in the car yesterday at the farm as OH had some cows to check. BIL walked past the car and imitated like he wanted to head butt me. Just about caught it on dash cam.

OH has seen him and his partner this morning, he was still mad. Said the whole of the country knows what a lazy bastard he is and that he only ‘punched his lights out’ years ago because OH had given their mum a black eye (which OH managed to get on recorded on his phone) so I guess he’s got a case for slander now too! His partner said our children should be taken off us as were ‘not fit’ to parent and that we shouldn’t be buying our children ‘cheap and nasty’ plastic garden toys!

Log the head butting gesture to the police. It was dash cam that got my conviction. Is it front and rear or just front. Is it set up to record sound.

Front and rear and records sound. I’ve reported it on the non emergency line and they’ve asked me to send over the footage which I’ve done. He’s just on an absolute rampage. I can’t believe they’re so reluctant to act!

You need to tell the police that this isn't ok that you will be getting a non-mol because he has hurt your partner before and he continues to try and harm you all including children.

I hope the non-mol makes it impossible for them to contribute live on the farm.

Please ring the national domestic violence helpline this morning and get their help to guide you through applying for it.

I’ve spoken to the police about a non-mol and they don’t think we’d get one. They’ve basically said that they don’t want to blow smoke up our arses and that it’ll be a waste of time.

We’ve had to have the firearm’s officer out because OH has a firearms license. He owns a gun which he occasionally uses for clay pigeon shooting maybe once a year, if that. He’s inspected the gun cabinet etc and said that he’s satisfied that all is in good order etc. He pissed me off when he told me not to report ‘every little thing.’ So I was quite blunt with him and told him if I were to report everything that I’d never be off the phone. I don’t think threats of violence, following people to their homes, imitating head butts and punching hands into fists are little things.

Have you spoken to the national domestic violence helpline?

They are the experts on Non-mol orders.

@user1488481370 - it's a matter for the Court Judge to decide if you should get one. The police are probably not keen to have to enforce it as they can see what a nutter your BIL is, and that it will probably run and run. But they would have a duty to do so if the court make it. And it may be needed. If he breaches it it amounts to contempt of court and he could be imprisoned for that (but generally for a fairly short time, depending on what he did).

Agree with PP re getting advice from other sources. You could also try a solicitor or the CAB - or some University Law Dept run Law Clinics (run by law students but overseen by lawyers).

The only tricky thing is if your BIL would respect the order and it would make him back off, or just aggravate the situation more.

But it doesn't feel very safe to carry on as you currently are. I would at least get some more advice on it.

Sorry just seen this. It’s not for the police to decide on a non mol. It’s for the judge based on what you present. BIL then gets to present his version. I can imagine he won’t behave in front of judge and present a good picture of himself.

Currently doing nothing isn’t helping you stay safe.