Insurance claim on our buildings ins for neighbours car

[hazbaz]

Oh wise mners, anyone with a legal background around to help me? When we were on holiday one of our roof tiles fell off in the high winds over Easter & smashed onto the bonnet of our neighbours (very expensive) car.

Insurance co have finally got in touch & asked when was the last time it was maintained. We only moved in 4 years ago & last thing would have been the homebuyers ( I can't locate at the moment).

What is our duty of care re roof maintenance - is self checking ok or are we supposed to be getting a professional out every autumn?!?!

Anyone similar experience? Thanks

Anyone? Please....

Do you have accidental damage cover as an option? I know once when we had some pointing deteriorate on a wall that let a load of water in during a storm or 3 , the insurance company paid for the internal damage but we had to make good the worn out pointing.
Nobody in the real world has a roofer out every year. I think your home buyers report is your best option. If you'd had work done then they might be able to claim against the roofer.