C3s putting you in harms way ??

[Pretty Mouth]

Have being reading this thread with great interest. No need for me to elaborate on previous posts concerns about what we as sparks "are leaving ourselves open for" as we go about our normal daily work. I am currently going through my first professional liability claim. 25 years with same insurance company. Have deliberately gone with the "top of the range" provider (840.00 euros a year for a sole trader).
In the case I, m involved in the issue has to do with the type of concrete used by the builder which has caused damage to cabling. Here's the interesting bit. Because I personally have not being negligent in any aspect my work, the insurance company feel they have no liability. It has been suggested to me to pursue the concrete supplier.
Not the kind of service I expected, but as "welchyboy" alludes to, its the "way the world is"

What was it about the concrete that caused the damage mate?

 

[Dartlec]

Have being reading this thread with great interest. No need for me to elaborate on previous posts concerns about what we as sparks "are leaving ourselves open for" as we go about our normal daily work. I am currently going through my first professional liability claim. 25 years with same insurance company. Have deliberately gone with the "top of the range" provider (840.00 euros a year for a sole trader).
In the case I, m involved in the issue has to do with the type of concrete used by the builder which has caused damage to cabling. Here's the interesting bit. Because I personally have not being negligent in any aspect my work, the insurance company feel they have no liability. It has been suggested to me to pursue the concrete supplier.
Not the kind of service I expected, but as "welchyboy" alludes to, its the "way the world is"

Unfortunately price of insurance seems to be no guarantee that they'll be any good when you need them - and the only way to find out is to need them, which isn't ideal!

Besides which, trying to work out who is actually doing the underwriting is often not simple and turns out to be the same very few names in any case...

I guess at least you get someone saying you weren't negligent! Sounds like the builder's insurance should be stepping in, but no doubt they'll claim it's an 'electrical issue...' etc...

 

[LastManOnline]

What was it about the concrete that caused the damage mate?

They put a retardent in it. Retardent was acidic. This was during the building boom in the noughties. Concrete was delivered on site hours before the brickies arrived due to demand. Issues resulting from the retardent now manifesting

 

[LastManOnline]

I guess at least you get someone saying you weren't negligent! Sounds like the builder's insurance should be stepping in, but no doubt they'll claim it's an 'electrical issue...' etc...

Yes. Its a "cu de sac" basically. Builder long gone anyway. But when you consider the pages and pages of stuff you receive on paying for public liability it would be really nice if someone told you upfront what you can realistically expect to happen in the event of a claim. I am disappointed but can't say I, m totally surprised. Yes, it cost me a night or two, s sleep but I am determined to draw a, line in the sand and not allow it fester. I, m stung but not bankrupted. Am grateful for that

 

[Welchyboy1]

Have being reading this thread with great interest. No need for me to elaborate on previous posts concerns about what we as sparks "are leaving ourselves open for" as we go about our normal daily work. I am currently going through my first professional liability claim. 25 years with same insurance company. Have deliberately gone with the "top of the range" provider (840.00 euros a year for a sole trader).
In the case I, m involved in the issue has to do with the type of concrete used by the builder which has caused damage to cabling. Here's the interesting bit. Because I personally have not being negligent in any aspect my work, the insurance company feel they have no liability. It has been suggested to me to pursue the concrete supplier.
Not the kind of service I expected, but as "welchyboy" alludes to, its the "way the world is"

You say it’s a claim on your prof. Indemnity ins was the matter over an eicr you carried out I take it, or with cabling that you personally installed?

 

[LastManOnline]

You say it’s a claim on your prof. Indemnity ins was the matter over an eicr you carried out I take it, or with cabling that you personally installed?

Not on indemnity. It was a public liability claim. I did a standard electrical installation (new wire). As it was an "open ceiling" design with no attic, cables sometimes routed under the floor and up the walls rather than over the ceiling and down the walls.
Cabling in the floor was in pipe and had a layer of damp course over it but was still compromised

 

[telectrix]

Not on indemnity. It was a public liability claim. I did a standard electrical installation (new wire). As it was an "open ceiling" design with no attic, cables sometimes routed under the floor and up the walls rather than over the ceiling and down the walls.
Cabling in the floor was in pipe and had a layer of damp course over it but was still compromised

surely your insurance will repudiate any claim against you and tell the customer to pursue the builders.

 

[i=p/u]

Yeah work it out, I have a test sheet

 

[UNG]

My inspector from Napit basically advised me of the same potential situation as the OP suggested
I was discussing with him EICR coding, whereas I am generally more lenient on my coding than some, he suggested 'why take the chance? It’s you who will end up in court trying to justify it against some hard nosed lawyer waving the code breakers book at you!’
And sadly, the way the world is heading I have to agree with him, trying to be honest and doing the right thing is just giving more leverage to a lawyer if god forbid it ever got that far
so from now on I have tightened my coding up and have been now using the code breakers book rather than the BPG no. 4 which I used to use as a reference

Good salesman that NAPIT inspector I would think a lawyer would using BS7671 as the go to reference rather than some dodgy book with dubious content

 

[LastManOnline]

surely your insurance will repudiate any claim against you and tell the customer to pursue the builders.

Correct. That is precisely what's being proposed. The approach by the insurance company appears to be "kick the bucket down the road" if the builder can, t be sued then go after the concrete supplier. But you can see where all of this is going. The customer is left in complete limbo with realistically no chance of getting compensation. In the meantime his electrical circuits circuits continue to deteriorate, regularly causing rcd to trip. Massive inconvenience and stress.The I had to act. As a result of carrying out some repairs without the loss adjuster first visiting site, I am informed that the underwriter is almost certainly not going to consider getting involved.

 

[Mike Johnson]

Not on indemnity. It was a public liability claim. I did a standard electrical installation (new wire). As it was an "open ceiling" design with no attic, cables sometimes routed under the floor and up the walls rather than over the ceiling and down the walls.
Cabling in the floor was in pipe and had a layer of damp course over it but was still compromised

Can you tell me exactly what has happened, retarders do not normally have an adverse effect on buried service's, this all sounds a bit off to me.

 

[Soi disant]

Not even AFDDs should get to £1200 for a new board unless it's ludicrously large!

So how much are single-module RCBOs with AFD?

 

[Soi disant]

Possible there's a local 7288 I guess to give him partial benefit of the doubt...

Not a conformant way to provide additional protection.

 

[Soi disant]

I would think a lawyer would using BS7671 as the go to reference

Which says what about how to code non-conformances?

 

[Mike Johnson]

So how much are single-module RCBOs with AFD?

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