CoC and insurance

[DapperDanMan]

"So what you're saying is I can't climb my walls." - The PsyWulfWhale

The first level of intervention ...

 

[DapperDanMan]

Agreed, they need a (stability) certificate from an engineer to insure the wall.

After how many years?

 

[PsyWulf]

if youre 150 kg ,you shouldnt be climbing anything .just my thoughts

You sure about that

https://twitter.com/x/status/1489600420997705729

 

[soulie]

You sure about that

https://twitter.com/x/status/1489600420997705729

damn thats impressive .

 

[PsyWulf]

damn thats impressive .

Indeed
But you go ahead and tell him he shouldn't be climbing anything

 

[soulie]

Indeed
But you go ahead and tell him he shouldn't be climbing anything

i was thinking more of the 150kg Cheri

 

[ToxicBunny]

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.

Yup.. Had the insurance try and bounce a claim on a retaining wall issue after the floods last year in dbn...

They were retards though and rejected claim because wall wasn't built to engineers specification. Didn't end well for them when I presented an engineers certificate for the entire property that covered the retaining wall.

 

[soulie]

What's really dumb is that they treat a bracket horizontally mounted geyser the same as a vertically mounted geyser. There's a huge difference.

agreed .

 

[Bliksis]

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...?

This happens all the time, and there is nothing you can do about it.

They will simply claim that you did that work yourself and that installation was not there when he checked.

COCs are a scam, but what choice do you have.

 

[Katelknaap]

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.

Makes sense that they wouldn't replace it in the absence of the regulatory requirements (ie missing roofing certificate). If they did, it could open them up to all kinds of potential liability if something where to go wrong (think geyser falling through roof and hurting someone).

They surely can't reject the claim though. The reasonable insurer would simply offer you a cash in lieu settlement on what it would cost to supply and install such a geyser. Did you not get anything from them?

 

[soulie]

So far I've seen this:

Your roof structure must be able to support the new system (SANS 10106:2014 5.3.1).

Water heaters and containers and receptacles that are more than 200ℓ capacity may not be attached to a wall (SANS 120252-1 2012 8.4.6.5)

It is important to note that an engineer’s certificate must be issued for all solar geyser installations of 300ℓ or more.

What if I just want a 300l geyser in my ceiling?

I just do not want it on the roof anymore. I'd rather have it undercover or wall mounted which I know is not an option, even with 4x 12mm coach screws vertically mounted. Ah well. Phoning the insurers tomorrow. Going to ask them why they didn't ask for an engineering certificate when we bought the place.

i wouldnt go with 300 ltr in the ceiling ,it also may not fit between the trusses to get it in ,300 kg plus geyser weight is a lot for a roof to handle , even if you run ibeams across walls its risky .you may end up throwing a slab outside to mount it on but may have to be enclosed .some insurers dont like that at all .its all about risk assesment at the moment .

 

[Tomtomtom]

Phoning the bank to get their take tomorrow.

Thing is I get the impression you know considerably more about what you're doing than the average insurance desk jockey does, so maybe you need to be a bit more assertive.

At this point you should give your take more than you get theirs.

And mention the ombud if necessary.