CoC and insurance

Willie Trombone said:
What happens if you have a claim and an assessor sees an oversight in the installation?
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Then they must go after the electrician and/or the professional body that vouches for the electrician and gives him the authority to issue the CoC in the first place.
 
Willie Trombone said:
So I've been thinking recently. What happens if your electrician checks your system out but misses something not obvious, or they see it but turn a blind eye because it's not convenient / they're lazy / they accept a bribe from the previous owner to do the cert cheap cheap at transfer time.

What happens if you have a claim and an assessor sees an oversight in the installation?

Given that the owner is not qualified in most cases to assess the work done...?
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Depending on the value, you take the electrician to court and report them to the regulators so they lose their license.
 
Here is my 2c worth and I have been in the industry for 39yrs:-

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You know I find it funny that put the full onus on the insured.
Say there is an elderly person has an install done by a accredited installer/electrician and receives a CoC and some thing goes wrong.
It would be extremely difficult to repudiate a claim:-
1) The CoC has been sent to the insurer
2) The Insured is a layman and following the rules
3) After receiving the CoC and the sum insured is adjusted the insurer adjusts the premium and collects it
4) Many cases which have been in front of the Ombud have been thrown out because if premium is collected the risk is accepted
5) The insurer once on risk always has the opportunity to survey or to validate the CoC/Installer otherwise why do they request it.

This is going to get interesting especially with the, Insurers who look for reasons to repudiate and not the traditional and trusted insurers.

This is why I strongly suggest you always work through a reputable and approved broker so you not alone in the fight if there is one.
 
Willie Trombone said:
And if he says that's not his work or was added later (which does happen)?
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Ideally that's not your problem. The whole point of a CoC is to have the quality of the install formally acknowledged by someone who should know what he's doing.

The insurers take the CoC in lieu of doing their own inspection prior to accepting the risk.

In the event of a claim they might like to pretend the fraudulent CoC is your problem but it would make no sense for the system to work that way.
 
Willie Trombone said:
And if he says that's not his work or was added later (which does happen)?
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Yes, this is exactly what they say. "Everything was in order at the time that I inspected it." Who can prove him wrong? I've been down that road unfortunately.
 
Willie Trombone said:
What happens if you have a claim and an assessor sees an oversight in the installation?
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You're worrying about nothing, really.
Think about it - which assessor could differentiate between his elbow and his arse when everything on site has been burned to a crisp?
 
Willie Trombone said:
Nedbank.
I'm going to be moving my stuff.
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Unfortunately Nedbank associates themselves with an insurance company that historically always hassle and never pay. A friend also has a problem with this particular insurance company and the policy was also sold to him by Nedbank.
 
Willie Trombone said:
The question is whether they argue that the non compliant work was performed after the inspection.
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The burden of proof should be on them. How are you supposed to prove a negative?

You could take photos but it should be their photos if they want to prove you changed the install.

Anyway if they don't want to pay it doesn't matter, they'll find a way.
 
Willie Trombone said:
I would if I was keeping my solar geyser on the roof but I've moved it to a vertical install on an outside wall where it's not seen.
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Wait, wait ... isn't a Roof Engineering Certificate required for other aspects also, in cases of alterations in the past having an influence on current/future compliance? (Especially if there is a record that it has - at least once - been previously requested by an entity.)
 
Willie Trombone said:
Agree. I've had this recently. Insurance wouldn't pay to have my solar geyser replaced - no engineering certificate for the roof. Roof engineering certificates became a requirement a few years ago. We bought the place after that and the geyser was already there. The insurer is the same bank who bonded the house and they didn't require the certificate for transfer. We only discovered the certificate was required after the claim. I could have had them do it if I paid an engineer to inspect it. I decided it wasn't worth it. I'm getting rid of my solar geyser and going AC via inverter and solar.

We also had a boundary retaining wall collapse after heavy rain and the assessor put it down to age of the wall... Insurance didn't entertain the claim.

Nedbank.
I'm going to be moving my stuff.
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I've said it many times on MYBB
Never insure through a bank for various reasons.
IRO the wall most policies exclude retaining walls unless certain criteria is met with -always a hassle.
 
Hemi300c said:
I've said it many times on MYBB
Never insure through a bank for various reasons.
IRO the wall most policies exclude retaining walls unless certain criteria is met with -always a hassle.
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Agreed, they need a (stability) certificate from an engineer to insure the wall.
 
Willie Trombone said:
I would if I was keeping my solar geyser on the roof but I've moved it to a vertical install on an outside wall where it's not seen.
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just remember a house wall has a max weight limit .its 150 kg or 200kg .cant remember but make certain your house doesnt topple over .and yes im just a bundle of joy , but rather find out now than later .
 
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