Just suppose you did a rewire, you did all the calcs and derated the cable accordingly and have the paperwork to prove it.Everything is fine and tests out perfectly so you cert it, money changes hands and everyone is happy.
Then some muppet comes along and dumps 200 mm of tickly wool all over it which causes the cable to heat up and eventually starts a fire.
Who is going to be held responsible? Certainly not you imho, you have done your job correctly and can prove it. What I think the problem is is that companys have sprung up out of nowhere supplying insulation all paid for by the government. If they are not aware of the effect of their product or are unable/unwilling to train their monkeys oops sorry I meant installers then it's their look out not ours.