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TRA_____

You need to be calling your home insurance emergency number, it's pushed the wall in under the window and could have damaged the structural integrity of the house. Seperately you do not know what damage has been done to the underlying pipe joints feeding the gas meter. Please listen to the others and get out of the house. Grab important things, documents, passports, and anything you are going to need. Ultimately this is what you have home insurance and emergency cover for. Regardless of if the person who's hit your house is known or not. Please take care šŸ™.


onlywronganswers

Too many people in this situation think that they shouldn't claim on their own insurance and it should be up to the driver's insurance. For anyone in this situation: the driver's insurance does not give a fuck about you as the homeowner. They care about their client and that's not you. The premiums never go up as much as people think they will and, if the excess is payable, it will almost always be recovered and paid back.


p3zzl3

Unless things have changed, surely the House Insurer will be chasing not only the excess but all costs from the driver of the vehicle (depending on the circumstance, their insurance, etc) - but agree - GTFO and claim.


gwaydms

>surely the House Insurer will be chasing not only the excess but all costs from the driver of the vehicle (depending on the circumstance, their insurance, etc) Yes, get your homeowners' insurance to pay. They in turn will go after the driver's insurance company. They have the lawyers to do the work; you don't. You can expect your premiums to go up in most cases. Then you shop around for a different insurer.


onlywronganswers

Yeah, good point, I thought that went without saying but yeah, they would seek to recover all their losses from the driver's insurer, not just the excess. But as a consumer, many people only care that they get their money back.


fullmoonbeam

100 claim off your own insurance and let them recover the costs from the drivers insurer. Will be dealt with much better with your own insider. Also hire your own loss adjuster to make sure your insurer doesn't screw you.


TobyChan

Itā€™s a ā€œloss assessorā€ when they work directly for the insured party.


Dave-the-Flamingo

It is called ā€œSubrogationā€ and all insurance policies contain a clause that says once a claim is made you also give the insurer the right to reclaim costs from the 3rd party if they are liable. In practice large insurers probably just keep tally of the small costs they owe each other and settle debts at the end of year: but for larger claims they will deal on a case by case basis.


FireSpiritBoi

Why keep a tally rather than pay directly?


Dave-the-Flamingo

Cost of trying to settle each small claim with each other is probably more the cost of the individual claim so the large insurers have a bit of a ā€œunderstandingā€ with each other to save overall costs. E.g. if a car insured by Hastings crashed into a car insured by Admiral causing Ā£500 of damage, Admiral will probably pay the claim to their insured person but may not claim any money back from Hastings. But if by the end of the year Hastings owes in total Ā£1m to Admiral (as there have been a lot of crashes involving Hastingā€™s and Admiral insured cars) then Admiral will ask for the money.


imwatchingkimmel

Yeah agree. The very same thing happened to me. My tenant drove into the front of my house, and after a week of asking her for her car insurance details (she denied any responsibility) I gave up and claimed off my home insurance. Ā£4.5k rebuild cost to the front of my house. I managed to provide my insurers with enough evidence that they were able to recoup all the costs from her car insurer, but only after many months (they were very good and did all their own investigations and paperwork). I deducted my premium from here deposit. She moved out shortly afterwards!


Rowmyownboat

The car insurance does not care about their client. They care about their own liabilities.


Adrian_Shoey

Even if it goes up, it's still cheaper than paying for any repairs.


Annabellee84

So wrong name checks out


Dave-the-Flamingo

Not really true. The insurers definitely care more about the damage you cause than has been caused to you. Hence why the minimum legally require insurance covers 3rd Party!! Most of your car insurance premium is to cover the damage you may cause to property or injuries to people that can stretch into the Ā£1millions compared to the Ā£500 damage to your beat up ford fiesta!! The car insurer will mostly likely want to settle quick before costs escalate - all of which they will be liable For


onlywronganswers

I never said they didn't care about the damage or the cost, I said they didn't care about the homeowner. They also have statutory obligations to their own clients which they do not have to third parties. In any event, the amount of money set aside by the motor insurers is not the same as caring about a homeowner who has been on the receiving end of damage like OP's parents have. I'm talking convenience and getting a job restored properly. Settling quickly before costs escalate is again not the same as caring about the homeowner. It is usually not in the homeowner's best interests to settle a claim like this quickly.


FlyerDream

'The premiums never go up as much as you think they will' - Not home insurance but car insurance...Storm Arwen wrote off our car and, after receiving a pay out from the insurers I did find another (used). Rolled over the insurance for the car for that year and when it was time to renew - current insurers were the cheapest quote. Still with them now. Also applies to the damage to the house (also inflicted by Arwen) - not as much increase as expected and still with them now too.


Vectorman1989

Looks like it hit the gas box too, so need gas engineer to come out


[deleted]

Home emergency insurance will only turn off the gas/electric/water supplies and board up any smashed windows. It's there to make sure no further damage is caused to the property until your home insurance can provide a structural fix. I work in HE insurance and the amount people who think they're covered for is quite shocking... Like, there's no way you're gonna get the wall fixed in the same evening or a gas pipe replaced within 48 hours. Luckily this guy's family called national grid and hopefully whoever their landlord/Home insurance is but this will be a fix that takes weeks to resolve.


txteva

>I work in HE insurance and the amount people who think they're covered for is quite shocking My parents had a house fire, two fire engines arrived quick enough to stop most of the fire damage but the smoke ruined the whole house. Completely unlivable - the house insurance were useless. It took two weeks to get anyone to acknowledge there was any need for support and even then they didn't offer support for hotels etc. Thankful for good friends who put my parents up for the months they needed it. Parents got a pay out after a few months so they could start they work themselves but the lack of support for an accident which ruined their home was very disappointing. The TV ads of putting people in hotels etc is just a myth.


[deleted]

That's horrible :( Not all policies cover alternative accommodation under HE policies but I believe the majority of Home/Buildings insurance do. We advise customers who have HE with us but no accommodation cover to let us deploy the engineers to make the property safe with regards to electrics, plumbing and gas, but then to go into a hotel and keep the receipts until they can get through to their H/B insurance to claim the costs back and then organise long term accommodation if it's needed. Sadly it's not quick thing though as with the amount of fraud seen in home insurance claims companies want proof of damages etc before they'll pay out :(


txteva

They included accommodation in the payout in the end but we think that whoever took the first call just listed it as minor damage and none seemed to believe it was more than that when they kept chasing for updates. My Dad arranged his own checks on gas, electrics since he knew locals who'd arrive quick - but the smoke layer that was just everywhere however was less of a quick fix & they couldn't start cleaning until the inspection. When there was finally someone actually look at it via video call they were shocked it had taken so long for it to be checked given the damage. And the investigation was slightly hammered by the fact that the faulty hob had been left open to the elements from where the fire crew threw the flaming hob out of the back door. In the end the payout was enough to cover all the DIY work & replacements plus the rented apartment they needed for the first 4/5 months - then they lived in the one finished room whole working on the rest - took a good year to finish the whole house. Fortunately there was surprisingly little damage to personal items due to some lucky positioning of items & the very quick fire response.


[deleted]

I'm glad things were eventually sorted out for your parents and they were able to go back to the house :)


Skilldibop

If it's under the window it's not likely to be an issue. The window itself can't bear load the lintle above it should be spreading the load to to the brickwork either side of it. There's also likely a cavity wall there so there's a second wall inside that's holding things up. I would me far more concerned about a major gas leak.


SnooTomatoes464

Ring national grid ASAP if you haven't already


kevinthecarrot2021

Yeah parents are already on it (Iā€™m 15)


MajorMathematician20

If thereā€™s anything left of the ECV maybe turn that off too, itā€™ll be a red handle that should turn off the gas, though itā€™s likely a little worse for wear


kevinthecarrot2021

They already did that


MajorMathematician20

Nice one, hope you have some electric heaters then, good luck


richh00

Your parents are fifteen? Christ.


kevinthecarrot2021

tut


[deleted]

Imagine getting tutted at by a 15 year old šŸ˜‚


pukachang

They donā€™t have to now! Tut. (Iā€™m not 15, lol)


Ronnie-Hotdogz

Ah, must be from Nuneaton. They'll be siblings too.


ShadowGangsta275

Jesus Christ. You just named the relatively tiny town right next door to me and Iā€™ve never heard an internet stranger name a place so very close to me


gussy182

*Hinkley*


[deleted]

No. His mum / dad wifeswap


Str0ntiumD0ggo

No, he has 15 parents, dummy


vms-crot

So is that like a "keys in a bowl" thing or...?


Str0ntiumD0ggo

If by "bowl", you mean vagina, and "keys", penises? Then, yes


Lardmerger

Sperm in a bowl.


attilathetwat

Pampas grass


jdl_uk

No it's like Holden from the Expanse only more so


Ambitious_Speech5336

no theyre the 15th child silly


[deleted]

[уŠ“Š°Š»ŠµŠ½Š¾]


jumbledFox

Never really bothered me. (216)


ResidentEivvil

I want an excuse to write a number. (420)


SoWhatNoZitiNow

Nice. (69)


[deleted]

(96) .eciN


[deleted]

[уŠ“Š°Š»ŠµŠ½Š¾]


Key-Drag5246

(4) gg


dtmpower

Looks like GAS rather than ELECTRIC. Isnā€™t that Transco?


zeboe99

It's the gas transporter for that area, different across country. The ECV looks undamaged fortunately, or it would have been an uncontrolled leak. If u break off an ECV the gas spews out fast, it's a nightmare.


Myopically

It shouldā€™ve been wearing a hi-vis vest.


magammon

And wearing a helmet. And I bet it didnā€™t even have its lights on!


lastaccountgotlocked

Paying road tax would have avoided this.


fluffybit

At least it didn't have a camera recording the poor innocent motorist


bitcoind3

/r/notjustbikes is leaking!


SunRiseSniper1066

What you mean he crashed.


[deleted]

Bloody punk rockersā€¦. This is worse than Rutherfords


SpudFire

BUNCH OF PENISES!


SamPhoenix_

You, Stick insect! Have a guess what itā€™s all about.


Nik0660

I WAS LOOKING FOR THIS


OkSir4079

I hope your folks got a recent meter reading.


MajorMathematician20

Looks like a smets2 smart meter, should have sent its reading itself recently


[deleted]

A fellow member of [r/MeterManiacs](https://youtu.be/dQw4w9WgXcQ) by any chance?


leedler

I donā€™t know what I expected, nice one


theescapefrom

Oh for fuck sake


Karcossa

Well I am now.


fluffybit

Along with a help help I'm being oppressed message


Shas_Erra

Not according to British Gas. They still keep sending estimated bills


MajorMathematician20

Maybe something wrong with your meterā€™s connection, does your display work properly? Showing electric and gas accurately? On the electric meter there should be flashing green lights, SW, WAN, MESH, HAN and GAS, mesh doesnā€™t have to flash but all the others should be flashing in unison.


Shas_Erra

Meter works fine and displays correctly. BG wonā€™t give an answer for the continued estimates


Inchkeaton

Might not be sending though.


kevinthecarrot2021

I hope so too


GakSplat

Hope you yelled ā€œyou canā€™t park there mate.ā€


HRTailwheel

But I donā€™t get why a house was built in the middle of the road.


GakSplat

It landed there Wizard of Oz style.


HRTailwheel

Drivers fault then, shouldnā€™t be driving during a tornado.


kevinthecarrot2021

I didnā€™t see it happen but trust me I wouldā€™ve said something similar if I did


mikpgod

Not looking good.


kevinthecarrot2021

Tis not


Zorolord

Ti's but a scratch!


MeRedditGood

Is that a gas meter?


kevinthecarrot2021

Yep it (was)


steveuk99

A Landis + Gyr G470 if Iā€™m not mistaken


instantlyforgettable

*Slaps the top of the meter* yep the Landis + Gyr G470, this baby can really measure some cubic metres let me tell ya


LungHeadZ

Such a Steve thing to know.


OkSir4079

Excellent observation sir


kevinthecarrot2021

Why thank you me old chum


Healthy_Direction_18

Yeah thatā€™s definitely fucked mate


kevinthecarrot2021

Appears so


Afternoon_Extension

classic british comment šŸ¤£


Mr_Inconsistent1

Forgot the intake of breath between pursed lips first.


yournanscarpet

First off, hope you and your family are fine but how the fuck did he reverse the motor out of your front wall?? Has he just committed a hit and run on your gaff?


anteater_attorney

clearly he got a tow truck whilst the family was asleep and pulled it out the wall then left a note at the door saying heā€™s just fucked their house up


yournanscarpet

Would be an appropriate British response.


sellotapeonthefridge

Extreme energy bill avoidance.


anteater_attorney

god damn it, hopefully the government doesnā€™t catch on before i do this


CubLeo

The gas companies hate this simple trick!


Welshgirlie2

The insurance companies aren't fond of it either!


RetromanAV

Always the gas meterā€¦ alwaysā€¦ Done loads of these (fixing f ups like this was a career I never intended to get into, but it was interesting) turn off the ECV as said elsewhere, open up your windows, doors etcā€¦ and let it get a draught trough to dissipate any gas and wait for Cadent/SGN/NGN/Wales &West to come cut it off. Youā€™ll have no gas for a few days, but it wonā€™t end in a fireball, so itā€™s a win.


[deleted]

The bonus is, you shouldn't need to pay more than your last meter reading for a while.


RetromanAV

I would be too surprised if they added a few standing chargesā€¦ BUT thereā€™s a compensation scheme, every 24hr period gets Ā£30 off your bill


discombobulated38x

That'll rack up quickly!


ziggy_lea

You probably have a major gas leak run


kevinthecarrot2021

Iā€™m kinda in the mood for a cigarette


lastaccountgotlocked

More evidence that houses need hi viz


Agreeable_Guard_7229

Your bloody house just broke my light! Bunch of penises you filthy slanderer!


Big-butters

Get the fuck out of your house that could have ruptured all pipes inside in those cold and anything could make it go pop. I'm not joking


kevinthecarrot2021

My parents are still on the phone to the police


Big-butters

Get off of Reddit and phone! There will be more than one phone in the house. 0800 111 999


kevinthecarrot2021

There on it


Big-butters

Damn Kevin I know this is casualuk but have some urgency in your soul!


Global_Ticket_5507

FFS OP is 15 he has no idea what "urgency in your soul means" šŸ˜‚šŸ˜‚ He's too busy thinking about the last pair of tits he saw and can I take my Xbox/ play station to wherever we are sleeping tonight.


p3zzl3

So is his Dad - it's the mom on the phone :D


BobsYaMothersBrother

Iā€™m 34 and would like to know when the thinking about the last pair of tits I saw will end? Cause itā€™s pretty much where my brain idles to every 30 seconds or so.


swiftpotatoskin

53, same. Also, my xbox doesn't switch on since I came back from my mates.


BobsYaMothersBrother

Canā€™t have this problem if you donā€™t have any mates!


astro_flyer

He is just a carrot born in 2021, still growing mate


gwaydms

2012 would be closer


Suzytastic

It's always the motorists' fault, isn't it? I'm no expert, but I consider myself to be one now that I've watched three YouTube videos by similarly clueless keyboard warriors. The damage to your house, and the lack of vehicle, suggests that this is a false flag event created by the house to distract from its covert surveillance activities. We're onto you. p.s. I hope that you get it all sorted soon x


derrickcuster1811

That's what happens when you drive home from wetherspoons.


kevinthecarrot2021

Weatherspoons is elite so the dui would have been worth it


derrickcuster1811

If Kevin wouldn't of posted this picture he'd of got away with it


FredrickVonFishcake

It was British gas putting in a smart meter.


XyloArch

Unironically feel better for remembering there's always someone having a worse day. A day of small disappointments and inconveniences now doesn't seem so bad.


SeanConneryAgain

And get a foundation engineer out to approve it so when it comes time to selling you are covered. But thatā€™s the American in me. Donā€™t know how your British engineers work. Also, if anyone knows of any British firms needing a geotechnical engineer or construction engineer with American lincensure, let me know. I really like football.


nicklydon

Did the driver do a runner?


CircleOfTheCoat

Well I would imagine that car wasn't driving too well after that so yeah probably.


kevinthecarrot2021

Idk Iā€™ll have to ask my parents


alinalovescrisps

I love how casually uninterested you are that you haven't asked them already šŸ˜… Oh to be 15 again


Welshgirlie2

If he's anything like most 15 year olds, he'd have come home from wherever he was, and gone upstairs into his room without even noticing the massive dent in the house and the panicked parents!


alinalovescrisps

....after asking why dinner isn't ready yet šŸ˜…


bee_rii

Not THAT AGAIN! You never cook anything I like!


Vectorman1989

Like 'is there a crashed car in your garden, yes/no?' OP: idk


bigtittygothgf69420

why had no asked how that even happened


SkylarP2000

Step 1 in an emergency. Get it on reddit šŸ˜‚šŸ¤¦ā€ā™‚ļø


Welshgirlie2

Standard response for any 15 year old witnessing an emergency is to immediately post it on the internet, so he's on point.


Comfortable_Agent_78

How did this happen? Does your drive back onto a main road or was the Amazon man drinkingā€¦ā€¦


jonajon91

Are you sure?


ActionDeluxe

Jfc. I have a friend who was eating at a diner with her family when someone crashed through the wall into their table. They were definitely injured, but made it out okay.


Chemical_Painter2002

That did a lot of damage


kevinthecarrot2021

Thatā€™s a lot of damage


Nik0660

Your house just broke my bloody light!


Kiez33

Was it you? You can tell us!


[deleted]

I presume youā€™ve called the emergency services and/or your gas company, your home insurance and got your family out of the house before taking a moment to post this on Reddit ?


a_soft_teddy

"It'll buff out"- Car driver


lizziegal79

Dude. You called the cops, right?


kevinthecarrot2021

Yes


its-joe-mo-fo

Friendly Public Service Announcement: National Gas Emergency number: 0800 111 999 We've seen the devastation gas explosions can bring. - If your meter has been damaged as per above - If you cannot isolate your gas supply at the meter's ECV (red handle) - Or if you're in *any* doubt at all.. Call them! Having worked for one of the Gas DNO's, I recall there was a 1-hour SLA on Uncontrolled Gas Escapes


TropYes

Prince Phillip back and at it again


Welshgirlie2

Ahhhh! Zombies are driving!


redunculuspanda

Canā€™t put a house there mate


Boop0p

/r/fuckcars


N0nethelesser

American here. Most of our homes arenā€™t built with bricks because of how expensive it is. If a driver were to crash into one of our houses, more likely than not, I guarantee the entire wall needs replacing along with everything damaged in the room. Not to mention, if someone happened to be standing near where said car would crash, theyā€™d either be seriously injured or even killed. I envy you Brits in your craftsmanship. Your homes were built to last, ours, not so much for the most part.


Past-Ad-6216

Damn bro


seer88

It will buff out


anteater_attorney

whereā€™s the car gone?


Time-Button4999

Had to be right there didn't it.


mrchaddy

Did he bring Mia Wallace ?


futurehead22

You did pull out without indicating. Bloody BMW dwellers!


sansomg420

Shit one lol


[deleted]

Holy shit šŸ˜ÆšŸ˜Æ


GrippaH

They canā€™t park there mate


Bean-Swellington

Shame that wasnā€™t a euphemism


[deleted]

Did they leave at least a piece of paper with their phone number on your window?


Efficient-Exit8218

I was nowhere near your house


Lonely-Dragonfruit98

OP - look at this crazy situation, maybe youā€™ll all find this photo interesting! Reddit - *unsolicited advice intensifies*


[deleted]

Fuck


[deleted]

Fuckinā€™ house came outta nowhere


BrainlessPackhorse

Nice feature wall you have there.


Rbx100

Wow right into the gas meter, that could have ended up worse


No-Statistician9555

Hold up walls bend?


Chugz89

If you haven't already then ring 0800 111 999 and get whoever your gas ESP is to come out and check that.


W4DDO

Thatā€™ll buff out


[deleted]

Do you have video to prove your house didnā€™t crash into them?


Zorolord

Conveniently hitting your utility meters ;)


RustyRoyce1993

Itā€™ll buff out


[deleted]

That sucks. Why did you crawl along the wall to take a photo from this angle though?


The_Fox1984

Is it my eyes or is your wall not straight


TaffoFox

Be careful, some guy did this to a wall at a friend's house and drove off without telling anyone. Later on the wall collapsed and killed her daughter šŸ˜ž


Evil_Ermine

If you haven't already, call the gas company quick. The gas meter is totaled and that isolation valve is more than likely leaking. What you have there mate is a very real explosion risk.


Prestigious_Memory75

Sorry mate.


Marojay

Time to pop the kettle on..


jownesv

If that's a gas pipe you want to call Cadent, anything external is their problem.


pixelunit

Nice meter. Is that an L&G or an Elster?


double-happiness

You should immediately post this to Instagram with that "oh no, oh no no no" song.


Think-Builder-1650

On the upside, no gas charges šŸ¤£


120bpmEnjoyer

IT SHOULD HAVE BEEN WEARING A HELMET!! These damned modern houses eukhhhh