Roof Tile Incident
Discussion
Centurion07 said:
Chaz, what exactly is your area of expertise as regards to this incident?
Do you work in insurance? Has this kind of thing happened to you?
No particular expertise, I just took an interest in the thread.Do you work in insurance? Has this kind of thing happened to you?
I was (relatively) recently involved in a serious car crash, which went to Crown Court (I wasn't the defendant - he lost). I then had to take my solicitors to the Legal Ombudsman - they lost and paid up. And so I only take 'professional' advice at face value.
pinchmeimdreamin said:
so 10 pages and 1 "roofer" thinks he has the vital evidence.
However when was the exchanger fitted?
have the tile's worked free a few months/years later?
Begad! You're right! This internet forum needs concrete evidence, not informed opinions. I'll put my best man on it straightway!However when was the exchanger fitted?
have the tile's worked free a few months/years later?
pinchmeimdreamin said:
so 10 pages and 1 "roofer" thinks he has the vital evidence.
However when was the exchanger fitted?
have the tile's worked free a few months/years later?
That same 'evidence' mentioned on page 2.However when was the exchanger fitted?
have the tile's worked free a few months/years later?
We are currently working for Peabody Trust, who had a large amount of Solar panels fitted before the last tariff went west, we see exactly these types of incidents approx 20 times a day.
Fitted by slash and dash . A proper slate clip is pennies.
roofer said:
The piece of lead looks like a tingle, or slate clip which would of been in place to stop the slate slipping. As this is a result of a previous repair, probably when the heat exchanger was fitted, I'd be more than a little miffed.
If that is a commercial property, it needs an inspection now it's problems have been pointed out to the owners.
roofer did indeed call it on page 2.If that is a commercial property, it needs an inspection now it's problems have been pointed out to the owners.
The following 8 pages were fun, but he owns the thread.
Thanks roofer and everyone for your input...
I've got the car booked in for two weeks time to go into the bodyshop, as I need it done by the end of Feb.
I'm today compiling a letter to the owners which will form the basis of a claim against them. Based on 'Roofers' identification of the lump of lead as a tingle, I have street-viewed the property, and you can clearly see a tingle on the leading edge of the roofline.
Which was then missing after the tile fell...
Given the owners of the building are a Central Heating Company, I would imagine (but don't know 100%) that this unit on the roof was installed by their own engineers. But regardless of that, the roof was not properly reinstated after installation, which the owners should have ensured it was, so there is a case of liability.
I've got the car booked in for two weeks time to go into the bodyshop, as I need it done by the end of Feb.
I'm today compiling a letter to the owners which will form the basis of a claim against them. Based on 'Roofers' identification of the lump of lead as a tingle, I have street-viewed the property, and you can clearly see a tingle on the leading edge of the roofline.
Which was then missing after the tile fell...
Given the owners of the building are a Central Heating Company, I would imagine (but don't know 100%) that this unit on the roof was installed by their own engineers. But regardless of that, the roof was not properly reinstated after installation, which the owners should have ensured it was, so there is a case of liability.
Dr Interceptor said:
Given the owners of the building are a Central Heating Company
Hold on one minute...Way back at the start, you said...
Dr Interceptor said:
Anyway, the building is owned by a group of directors pension fund
Is the building owned by a pension fund, and occupied by a CH company?TooMany2cvs said:
Is the building owned by a pension fund, and occupied by a CH company?
It's owned by a directors pension fund, they are directors of a very large Central Heating company here in Farnborough. The company used to be based in the premises, but have moved to a large unit on an industrial estate. TwigtheWonderkid said:
Dr Interceptor.....did you go back to your own broker, A Plan, who told you that your own commercial property policy covered all tp damage, whether you were legally liable or not.
What was the outcome?
Yes I did... and needless to say I will be changing brokers come renewal time in April.What was the outcome?
Dr Interceptor said:
I'm today compiling a letter to the owners which will form the basis of a claim against them. Based on 'Roofers' identification of the lump of lead as a tingle, I have street-viewed the property, and you can clearly see a tingle on the leading edge of the roofline.
Could also be worth getting a higher-res picture with a reasonable telephoto before they carry out any repair work.Dr Interceptor said:
TwigtheWonderkid said:
Dr Interceptor.....did you go back to your own broker, A Plan, who told you that your own commercial property policy covered all tp damage, whether you were legally liable or not.
What was the outcome?
Yes I did... and needless to say I will be changing brokers come renewal time in April.What was the outcome?
Shocking, isn't it. If the so called professionals don't understand the policies they are selling, then what chance your average Joe in the street.
TwigtheWonderkid said:
Shocking, isn't it. If the so called professionals don't understand the policies they are selling, then what chance your average Joe in the street.
Our roof is in pretty good condition, when we refurbished the building in 2009, we took down chimneys, so the whole of the roof was checked over, and the bits where the chimneys were properly tiled. Definitely no tingles in there. But it does make you wonder, and think whether one of those guards/nets around the roof edge would be a good idea.
Dr Interceptor said:
Honestly, as I've said before, this has just been a huge learning curve. I honestly would expect me to be covered if it happened to one of my customers/member of the public parked or walking outside!
If you think about it logically, you can only really be covered for legal liability, because the alternative is moral obligation, and whose morals do you go by? TwigtheWonderkid said:
Dr Interceptor said:
Honestly, as I've said before, this has just been a huge learning curve. I honestly would expect me to be covered if it happened to one of my customers/member of the public parked or walking outside!
If you think about it logically, you can only really be covered for legal liability, because the alternative is moral obligation, and whose morals do you go by? Anyway, I'm not really sure how to proceed with this, but I have drafted a letter to the directors, which I'll deliver to them in person. I guess it is up to them to refer it to their insurers to cover their liability? Or would you deliver it to their insurer?
Dr Interceptor said:
Anyway, I'm not really sure how to proceed with this, but I have drafted a letter to the directors, which I'll deliver to them in person. I guess it is up to them to refer it to their insurers to cover their liability? Or would you deliver it to their insurer?
I would send a recorded delivery letter to the CEO, with a copy to the Company Secretary, if they have one. I would also send a copy to the local council's District Surveyor under their dangerous structures process ( http://www.rushmoor.gov.uk/article/3304/Dangerous-... I think is the relevant link for Farnborough). I'm not sure I would bother with the insurers as how do you know who they are and even then it is usually the director's job to notify them, certainly in every case of corporate non-motor claims I have been involved in. Just to be clear I mean this secretary
not this one
or this one
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