Decision made for us...

[pappajohn]

It's his own tree!

Looks are deceiving then. It appears to be the other side of a boundary fence to me.

 

[Minxy]

Looks are deceiving then. It appears to be the other side of a boundary fence to me.

Indeed it does but he did say it was his own earlier in the thread ... unfortunately however it turns out his home insurance premium is gonna take a hit I suspect!

 

[Ingwe]

I note your ambivalence given that you were thinking about getting rid and getting a PVC or small camper instead. Just bear in mind that loss adjusters sent from the insurer are acting for the insurer and trying to minimise the amount the insurer has to pay out. So it is normal for them to make an offer which is usually low.
A surprising number of people accept the first offer they receive. It helps if you have the book value of the van (before the tree fell on it) as well as all the extras ( as many have posted) so that you can have an idea of the value with which to guage the value of the offer.
All the best and, as others have said, pleased that no one was injured.

 

[Minxy]

Another thing to think about ... extras ... regardless of whether you fitted them yourself or had them done elsewhere (ie professionals), the cost of adding them to a replacement vehicle should IMV be costed as if they are professionally fitted.

 

[bungy]

I note your ambivalence given that you were thinking about getting rid and getting a PVC or small camper instead. Just bear in mind that loss adjusters sent from the insurer are acting for the insurer and trying to minimise the amount the insurer has to pay out. So it is normal for them to make an offer which is usually low.
A surprising number of people accept the first offer they receive. It helps if you have the book value of the van (before the tree fell on it) as well as all the extras ( as many have posted) so that you can have an idea of the value with which to guage the value of the offer.
All the best and, as others have said, pleased that no one was injured.

Another thing to think about ... extras ... regardless of whether you fitted them yourself or had them done elsewhere (ie professionals), the cost of adding them to a replacement vehicle should IMV be costed as if they are professionally fitted.

all done, have a file with all that and also links to vans of same spec , age etc that are currently on the market - only 2 of them though and they are a slightly lower spec as well!! no others anywhere that i can find

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[Sapper520]

Insurance companies also check Social media and forums............

 

[Puddleduck]

If they argue as at present vans are selling far above previous values , just point them to the only 2 for sale & state "Put me back in exactly the position I was in before it happened & supply the identical vehicle" Including all the extras.

I did that when my car was written off. The only other car of the same make / model was a year older, had more miles and was 300 miles away plus didn't have the wheelchair hoist or the hand controls.

I asked if they could have those fitted, arrange for me to go and test drive and then we would be in the same ball park.

Surprisingly I soon had a cheque for what I thought my car had been worth.

 

[Camper Sue]

Awful shock. Then follows the stress and fight to get things done. My neighbour has a massive Eucalyptus tree growing on the boundary to my garden. I've spoken with him about the need for a tree surgeon. Nothings happened. I THINK by regulation if it falls on my garden studio my insurers have to cover claims not theirs. Perhaps we should check our MH parking spots and have productive chats with neighbours if there are issues. Good luck.

 

[Minxy]

Awful shock. Then follows the stress and fight to get things done. My neighbour has a massive Eucalyptus tree growing on the boundary to my garden. I've spoken with him about the need for a tree surgeon. Nothings happened. I THINK by regulation if it falls on my garden studio my insurers have to cover claims not theirs. Perhaps we should check our MH parking spots and have productive chats with neighbours if there are issues. Good luck.

Write to your neighbour about the tree so that they can't say in the future that you haven't brought the issue to their attention. Also if any parts of the tree are overhanging your garden you have a right to trim it back to the boundary line but you must give back all the trimmings to the neighbour as he still owns them.

 

[Puddleduck]

Also if any parts of the tree are overhanging your garden you have a right to trim it back to the boundary line but you must give back all the trimmings to the neighbour as he still owns them.

Possibly not in Scotland. I don't know for certain but our village garden group (who cut communal grass, hedges and the like) were told they needed permission to cut back anything that was not rooted in communal land or there could be criminal damage proceedings. We wanted to sort out an old abandoned garden (the associated house has been derelict for at least 15 years) but were refused permission by the owner. Only the local council could trim back the tree that was blocking part of the road and even they had to get an enforcement notice which had to be on public display for so many days before the work started.

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[Minxy]

Possibly not in Scotland. I don't know for certain but our village garden group (who cut communal grass, hedges and the like) were told they needed permission to cut back anything that was not rooted in communal land or there could be criminal damage proceedings. We wanted to sort out an old abandoned garden (the associated house has been derelict for at least 15 years) but were refused permission by the owner. Only the local council could trim back the tree that was blocking part of the road and even they had to get an enforcement notice which had to be on public display for so many days before the work started.

That would probably be the same in England for 'public' areas as only those who 'own' the land are likely permitted do anything about it, but this is causing issues for a 'private' garden owner.

 

[Puddleduck]

That would probably be the same in England for 'public' areas as only those who 'own' the land are likely permitted do anything about it, but this is causing issues for a 'private' garden owner.

We also can't cut our neighbour's tree that hangs over our garden. We used a solicitor to write a formal letter asking him to sort it or to accept liability for any damage caused by the tree or it's roots.

He then tried to get us to pay the £350 invoice from the tree surgeon ...... that is now on record as a neighbour dispute and came up when he was trying to sell his house.

 

[Minxy]

We also can't cut our neighbour's tree that hangs over our garden. We used a solicitor to write a formal letter asking him to sort it or to accept liability for any damage caused by the tree or it's roots.

He then tried to get us to pay the £350 invoice from the tree surgeon ...... that is now on record as a neighbour dispute and came up when he was trying to sell his house.

Obviously different in Scotland then ... I wonder if it's different in Wales?

 

[The general]

Insurance companies also check Social media and forums............

They most certainly do and also do covert ops ie filming people if injuries I was involved in a case with my friend where he had mobility issues due to accident they filmed us several times !!! Ok by law BUTwhen claim settled they got to inform you they did it and information destroyed .

 

[bungy]

just rounding this one off...

Well that was relatively easy and pain free experience

Once wed got the tree removed, which took 3 tree fellers (theres a joke there!!) 4hrs the van was collected 2 days later, He fired up and drove off up the drive straight on to the low loader with no problems. Had him all tied down and all that and off he went - that was the painful bit, seeing the enabler of 10yrs of great times disappear round the corner down the road in that way.

Next up was the two step with the insurance valuation and as id prepared it was easy. First offer number was the glasses guide number, 2nd number was bang in the middle of the 3 market examples id provided, that took 2 days. No messing about at all.

And then 5 working days later money is in the bank.

Not replacing yet, going to wait a while and do something different in the mean time, probably holiday cottages/cabins/airbnb...oh and some toys...astromodded camera is on the cards

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[grasscutter]

Glad it’s sorted

 

[JockandRita]

Daryl & Claire, Rita and I were really sorry to read of the loss of your MH, but are so pleased it has all worked out in your favour.
Good luck to you both in whichever way you choose to holiday and relax now.

Cheers,

Jock & Rita.