Ring Circuit Continuity on EICR (Figure of 8 ?)

[Badged01]

These limitations are all well and good until something goes wrong and the insurance company refuses to pay because the EICR doesn't/didn't cover what caused the fire etc...... and generally isn't worth the paper its written on! (I suspect there will be a clause around maintaining in a safe condition somewhere on the policy!).

At best there may be an arguement that the insurance company should have veto'd the EICR (if they had sight of it) and insisted on a full one. Either way I can sense negotiations to avoid the insurance company paying up fully!

Then I wonder if the banks solicitors will be on to whoever signed the EICR. Why they as the 'professionals' even allowed the non-technical minded client to agree these limitations so making the EICR worthless but still passed it off as 'Satisfactory' for continued use? Why if professionally competent didn't you just walk away and refuse to issue something so limited in its applicability. Then let the blame/compensation discussions commence!

Of course I could be completely wrong and insurance companies will happily accept and payout on "drive past" EICR's .......

 

[trev]

Badged I think you're pretty much spot on with that comment. Insurance companies are always looking for a way not to pay out and when they really cotton on to EICRs, which they appear to be starting to, then a lot of people and businesses are going to be up **** creek without a paddle if and when something does go wrong.

Insured- "Hi, I'd like to make a claim for rebuilding my fire damaged factory. Could you please send the relevant forms?"
Insurer- "Certainly sir/madam. First can you tell me the date of your last EICR?"
Insured- "Erm, it was about seven years ago"
Insurer- "hahahahahahahahahahaha we're not paying out so it's a waste of a stamp. Screw you stupid"
Line goes dead.

 

[The_Wanderer]

Hence myself and most the guys on our firm will only ever sign as "unsatisfactory", regardless of faults found, but on the ground we dont feel we have had a good enough look at installation.

And my default limitations box is very long (i.e. arse covered!). I learnt Periodic's in my Leccy Board days and the first thing they told us was "Treat the Limitations section as you *get out of jail free clauses* "

And sadly lets be honest, an EICR is like a cars MOT, valid the second you sign it, the following day anything could have changed...

 

[Meggerman]

Hence myself and most the guys on our firm will only ever sign as "unsatisfactory", regardless of faults found, but on the ground we dont feel we have had a good enough look at installation.

And my default limitations box is very long (i.e. arse covered!). I learnt Periodic's in my Leccy Board days and the first thing they told us was "Treat the Limitations section as you *get out of jail free clauses* "

And sadly lets be honest, an EICR is like a cars MOT, valid the second you sign it, the following day anything could have changed...

Don't limitations have to be agreed with client. I think that will be there stance on that one. I doubt anything will come of it. They are getting well priced EICR's no doubt, you are getting work, all is fine and dandy until something goes wrong.....

 

[thomasn]

Don't limitations have to be agreed with client. I think that will be there stance on that one. I doubt anything will come of it. They are getting well priced EICR's no doubt, you are getting work, all is fine and dandy until something goes wrong.....

If the EICR is a requirement of the insurance company for cover, then they also have to be consulted as to what limitations they will accept on the EICR