Areas of Law / Insurance law

I have a static caravan on a private site. A branch from a large tree fell on my caravan and damaged the roof. Will the site owners be responsible for the repairs, or will I have to call on my own insurers?

You will probably succeed in a claim against the site owner unless the owner can show that the defect in the tree could not have been discovered by reasonable maintenance, or that the branch fell in exceptional weather conditions. The fact that the branch fell puts the onus on the site owner. He (or his insurers) may claim it was an “Act of God”, but this defence is unlikely to succeed unless the weather conditions were very unusual. If you claim on your insurance your insurers may attempt to recover their outlay from the site owner.

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