Roof tiles came off in a windstorm and damaged our cars. Will insurance cover this?

Question

My mom rents a duplex and the other night we had very strong winds in our area that blew the roof tiles off her house. Unfortunately, the tiles landed on my mother and sister's cars and caused a lot of damage. Will her landlord's dwelling policy cover these damages? Neither my mom or sister have comprehensive coverage, so that route isn't an option.

Answer 1

The landlords policy will not pay for any damage to any car. The tiles coming off the roof was an act of nature, not negligence on the landlords part. If you don't have comprehensive coverage on your auto policy, you will have to pay for damages out of your pocket. If you have comprehensive coverage, call to make a claim.

Answer 2

No, the landlord's policy won't cover this.   He's not liable - he didn't cause the wind.

Answer 3

Unfortunately, you're stuck. Comprehensive coverage will pay to repair the car, but you don't have it. The landlord can't be held liable for the weather, so his policy wouldn't pay.

Yes, if your neighbors don't have comprehensive coverage, they are stuck too.