Ice fell off roof and onto tenant’s boyfriend’s truck...

9 Replies

I had some ice fall off of the roof of one of my buildings, and into the driveway...onto my tenant’s boyfriend’s new truck. Looks like it got pretty banged up. How should I approach this insurance wise?
He should have insurance on his truck. Your insurance is to cover your property and personal liability. If a limb, from a neighbors tree, breaks off during a storm and damages your house, your home policy should cover it.

This could also fall under the General Liability Insurance of the Landlord.  I would at least do a “report only” to cover yourself.  The auto insurance for the boyfriend could handle the claim, then surrogate against the Landlord or they might not do anything at all. 

Originally posted by @Craig Garrow :
I had some ice fall off of the roof of one of my buildings, and into the driveway...onto my tenant’s boyfriend’s new truck. Looks like it got pretty banged up. How should I approach this insurance wise?

 This should be his insurance liability not yours.

@Craig Garrow - I'd make sure your roof is properly insulated. With a well-insulated roof, there usually isn't ice buildup. If it's poorly insulated- the heat will melt the snow, then as the water will freeze to ice as it runs down to a lower, colder point on the roof. 

Not only are you wasting energy if this is occurring- next time, it might be a person under that giant icicle!

Originally posted by @James Wise :
Originally posted by @Craig Garrow:
I had some ice fall off of the roof of one of my buildings, and into the driveway...onto my tenant’s boyfriend’s new truck. Looks like it got pretty banged up. How should I approach this insurance wise?

 This should be his insurance liability not yours.

Yep, his comprehensive coverage on the truck.