Those following this Blog will have noted that the gable end of the tenement. next door,  fell through the church roof, but we have been told, verbally, that we are not covered by our insurance policy.

I got the official letter today which is quite succinct! Amongst other things, it says:

"Although one of the insured perils is impact, this is only impact caused by vehicles, animals, or articles falling from aircraft."

In other words.... if a coo had fallen oot a plane and come through your roof you would have been covered!