[L.J.Thorpe]

 first proper accident today new customers semis with link flat roof garage and windows can only be reached from this roof,asked both if they had any problems with roof,were they happy roof was sound etc. both said all fine last window cleaners worked off it no problem, anyway to cut it short stepped off ladder ,one step forward and straight thru the top board but stopped myself going thru the porch ceiling,did the decent thing explained all and then rang my insurers,anyway i will be interested to see what the loss adjuster makes of it all......any opinions

[DaveG]

Is it your fault if the custie says its ok to walk on? I suppose the loss adjusters  would ask for something in writing...

Will be interesting to hear the outcome of this one

[scud]

  LJ

 I would tell them tough luck, you asked and they told you it was OK, as they are new customers you aren't going to loose out!

[jaespray]

only one person to blame
allways work of your own boards   treat all flat roofs as death traps
saying that    glad its only your pride thats hurt
regards john

[L.J.Thorpe]

  LJ

 I would tell them tough luck, you asked and they told you it was OK, as they are new customers you aren't going to loose out!

;Dyeah right and if it was your granny and some big bald ugly git told her tough t*t you would find him and sort him out,and so would i ! small towns like these marc you do 100 things right no one says owt one thing wrong and everyone knows about it within a week! anyway there is no certainty that insurance will pay out and if they dont she will have to claim on hers at least i will have discharged my responsibility

[dazmond]

its the customers responsibility!!NOT YOURS!!!

AS YOUR WORKING ON THEIR PROPERTY ITS UP TO THEM TO MAKE SURE ITS FIT FOR PURPOSE!!!


i have put my foot through  one or two a few years ago.i just repaired them with a piece of wood/felt and left it to them to get someone in to repair it properly.


a roof should not cave in when you walk on it!!it was probably 10-15 years old!whatever you do DONT PAY FOR IT!!!


dazmond

[L.J.Thorpe]

  LJ

 I would tell them tough luck, you asked and they told you it was OK, as they are new customers you aren't going to loose out!

;Dyeah right and if it was your granny and some big bald ugly git told her tough t*t you would find him and sort him out,and so would i ! small towns like these marc you do 100 things right no one says owt one thing wrong and everyone knows about it within a week! anyway there is no certainty that insurance will pay out and if they dont she will have to claim on hers at least i will have discharged my responsibility

But you wont will you as you have already admitted liability by making a claim on your insurance.If you didn't admit to it then you wouldn't claim on your policy would you?

i have not made a claim i have simply rung the insurers they are sending someone to look at the damage and will proceed from there,where does it say i made a claim? or admitted liability

[L.J.Thorpe]

its the customers responsibility!!NOT YOURS!!!

AS YOUR WORKING ON THEIR PROPERTY ITS UP TO THEM TO MAKE SURE ITS FIT FOR PURPOSE!!!


i have put my foot through  one or two a few years ago.i just repaired them with a piece of wood/felt and left it to them to get someone in to repair it properly.


a roof should not cave in when you walk on it!!it was probably 10-15 years old!whatever you do DONT PAY FOR IT!!!


dazmond

roof in question is 34 years old and never been re felted

[Paul Coleman]

I had this happen once.
The householder's insurer coughed up.
No-one came after me or my insurer for any money.
I'm not saying that the above is a reliable guide but it's what happened.

As an aside to this, his insurer actually paid for a completely new flat roof.  It was a fairly large expanse for a house.  The roof hadn't been redone in 20 years so they could have argued a "wear and tear" reduction.  Even after getting a flat roof replaced FOC that needed doing anyway, the householder still wanted me to pay his excess of £50.  I pointed out that I had saved him from paying up for a £1,000 job.  I also asked that if the roof had been rotten near the edge and I had fallen off because of it, would he still regard me as being liable and who would actually have ended up being sued.  He obviously gave this some thought because the next time I was there he said that there was no need to pay him the excess.  He also cancelled the window cleaning 

[H S and Son]

Informing an insurer isn't admitting liability, its up to them to admit any liability. He is simply passing the issue on to those who might have an 'interest' in it.

[L.J.Thorpe]

It is admitting liability if you claim on your liabilty insurance policy.....he said about the possibilty of his insurance company not paying.....
Now in my mind for an insurance company to refuse or agree to pay a claim you have to first put a claim into them......in which case you would be admitting liabilty.
 

ok lets try and keep this simple
1: I have not made a claim i have simply informed the insurers as to what has happened
2: Liability will be decided be the loss adjuster who visits the house to ascertain if the incident was due to negligence on my part or if other factors need to be considered
3: The reason i mention the possibility of the company not paying out is because the roof has not been properly maintained and it is unlikely that they will deem me to be negligent as the roof was in an unsafe condition


individuals dont decide who is liable insurance companies do
a "claim" only arises if the company decide that their client is culpable
filling in an incident report does not constitute admitting liability

[Tom White]

  LJ

 I would tell them tough luck, you asked and they told you it was OK, as they are new customers you aren't going to loose out!

That would be my stance.  I wouldn't even have bothered phoning my insurers.  And maybe if you'd hurt yourself, you may have been able to sue your customers; so really, they're lucky.

[L.J.Thorpe]

  LJ

 I would tell them tough luck, you asked and they told you it was OK, as they are new customers you aren't going to loose out!

That would be my stance.  I wouldn't even have bothered phoning my insurers.  And maybe if you'd hurt yourself, you may have been able to sue your customers; so really, they're lucky.

yeah i felt like that to be honest but kept my mouth shut,talked calmly and went thru the motions,talking to my broker about it this morning she says its almost certain that the insurers wont even consider it,but this way at least i cant be accused of being a heartless git  even if i am

[Tom White]

  LJ

 I would tell them tough luck, you asked and they told you it was OK, as they are new customers you aren't going to loose out!

That would be my stance.  I wouldn't even have bothered phoning my insurers.  And maybe if you'd hurt yourself, you may have been able to sue your customers; so really, they're lucky.

yeah i felt like that to be honest but kept my mouth shut,talked calmly and went thru the motions,talking to my broker about it this morning she says its almost certain that the insurers wont even consider it,but this way at least i cant be accused of being a heartless git  even if i am

You've done it the professional way, respect; but can I point out that there's a difference between being heartless and daft.  Had anyone admitted liability and sorted this problem out, then that'd be daft.

Not so long ago (I've got the cutting somewhere) a Tesco delivery man tripped and fell while delivering goods to a house and he sued the house occupants.  They were responsible for keeping their property safe for tradesmen.

[bobby p]

reminds me of a rotten roof i went up on a couple of times ,even after an old neighbour warned me it was dodgy.  i must be daft as it was sagging and only later i realized it had a bathroom under it and what if id shot thru it  . i now do the window above with a pole. 

 im guessing but id think most roofs over 50 year old will have rotten wood laths under the tiles .

[L.J.Thorpe]

Well i read it that you were implying they may not pay out on your insurance first...in which case you will obviously be claiming on your policy first...so therefore you would be admitting liabilty...not rocket science is it. :
[/quote]
  still not got the faintest idea what your talking about

[Ian Lancaster]

You've done it the professional way, respect; but can I point out that there's a difference between being heartless and daft.  Had anyone admitted liability and sorted this problem out, then that'd be daft.

Not so long ago (I've got the cutting somewhere) a Tesco delivery man tripped and fell while delivering goods to a house and he sued the house occupants.  They were responsible for keeping their property safe for tradesmen.

There is a significant difference:  The Tesco man fell while negotiating steps - put there specifically for people to walk on and therefore required to be kept in suitable condition.  The flat roof was not constructed with the intention of being there for people to walk on.

[L.J.Thorpe]

Well i read it that you were implying they may not pay out on your insurance first...in which case you will obviously be claiming on your policy first...so therefore you would be admitting liabilty...not rocket science is it. :

still not got the faintest idea what your talking about

  sometimes im not sure either....
what ever i hope it turns out allright for you...
[/quote]fair enough matey cheers

[L.J.Thorpe]

bump

[Paul Coleman]

bump

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