Damage to Neighbor's Residence Caused by Insured's Teenager

May 11, 2015

Facts: Our named insured set up a tarp in his backyard so his fifteen-year-old son could hit hockey pucks into the tarp during the winter months of 2014/2015. The insured's son had at least ten pucks that he could hit. Every time the insured's son missed the tarp with the puck, he would hit the neighbor's vinyl siding. The son would have to go into the neighbor's yard to pick-up the pucks and then start over again. The insured's next door neighbor's son contacted our insured last week advising that his mom's vinyl siding on the one end of her house was completely destroyed by the insured son's hockey pucks. The damage is quite obvious (dents, cracks, and holes). The neighbor that lives there is ninety years old and never knew this was going on. Her siding was struck approximately 100 times. The insured's son never told him that this was going on.