How should the insurance company compensate for the damage to the snow shed when parking?

Not long ago, a heavy snow broke the branches, causing the window of the owner Mr. Wang parked in the parking space of the community to be smashed. Mr. Wang found a claim from the residential property management company and the insurance company. The property was damaged on the pretext of force majeure, but the insurance company refused to pay compensation on the grounds that it did not cover the glass insurance. Then, can Mr. Wang get compensation for the loss of his vehicle? statement

Property management companies and insurance companies should compensate Mr. Wang for the loss of his vehicle.

According to Article 126 of the General Principles of Civil Law, "If buildings or other facilities and the shelving and hanging objects on buildings collapse and fall off, causing damage to others, their owners or managers shall bear civil liability", and the management of trees in residential areas shall be entrusted by the owners to the property management company, which shall prune and maintain them. Before it snowed, all departments made early warnings. It is unreasonable for the property company to refuse compensation on the grounds of force majeure, and it should bear certain responsibilities.

The damage of vehicles by branches crushed by snow is essentially a secondary disaster caused by natural disasters. As one of the insurance responsibilities of car damage insurance in commercial auto insurance, it can compensate for the loss caused by the fall or collapse of external objects, just like collapse, overturning and explosion. Mr. Wang's car is insured against car damage, and the insurance company should bear certain liability for compensation. Need to be reminded that the insurance company will ask the owner to provide the corresponding weather certificate for the falling objects caused by the weather, and Mr. Wang Can will communicate with the insurance company to meet the procedures required for claim settlement.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.