Insurance What is the Point???

germack3

I recently had an experience with a so called reputable Window Company in Dublin. (They also cover the Country) They installed (Joke) several new windows and they all leaked and were draughty…(Curtains blowing)
One window which could not be seen fully from the ground was not finished as they didn’t insulate the nee wall underneath or even put a panel onto it, left open to the elements.
After removing the architrave inside found that there was no mechanical fixings, the windows were spray foamed in place!!!! yes believe it, no mechanical fixings.
Put a claim in against their insurance for the windows and the extensive internal damage. , the insurance company would not recognise the claim as it was bad workmanship, wonder why you would need insurance when I would imagine the majority of claims against builders and trades would come under bad workmanship….

kkelliher

germack3 wrote: »

I recently had an experience with a so called reputable Window Company in Dublin. (They also cover the Country) They installed (Joke) several new windows and they all leaked and were draughty…(Curtains blowing)
One window which could not be seen fully from the ground was not finished as they didn’t insulate the nee wall underneath or even put a panel onto it, left open to the elements.
After removing the architrave inside found that there was no mechanical fixings, the windows were spray foamed in place!!!! yes believe it, no mechanical fixings.
Put a claim in against their insurance for the windows and the extensive internal damage. , the insurance company would not recognise the claim as it was bad workmanship, wonder why you would need insurance when I would imagine the majority of claims against builders and trades would come under bad workmanship….

Based on what you have stated any damage to your property interior should be covered. Standard public liability policies dont cover the product itself only consequental damage resulting from the poor workmansip

germack3

I was given to understand that Public Liability insurance covers, accidents or damaged caused while works are been carried out, indemnity insurance is damaged caused by the trade or company due to defective or poor quality products.

woodoo

Who was the company?

kkelliher

Public liability insurance is different to product liability insurance. I dont beliee however that either cover poor or bad workmanship. The bottom line with them however is that they do have to cover consequental damage as a result.

For example if a company manufacturer and install a new window which has poor seals and waster is allowed to ingress and damages windowbaords, wall finishes & floor finishes, then the insurance would cover the repairs to the windowboard, wall finish and floor finishes but it would not cover repairs or replacement of the window.

germack3

The insurance compaany did not cover any damage and the company blamed the traditional brick house in Harolds cross for the problem

kkelliher

germack3 wrote: »

The insurance compaany did not cover any damage and the company blamed the traditional brick house in Harolds cross for the problem

You will need to get a report from an Engineer/Architect/Surveyor confirming the cause of damage and submit same as the onus is on you to confirm the cause of the damage.

germack3

We did that Surveyor, Engineer and Thermal imaging report. The thermal report was the most daming but still no cover Badworkmanship.

kkelliher

germack3 wrote: »

We did that Surveyor, Engineer and Thermal imaging report. The thermal report was the most daming but still no cover Badworkmanship.

Next stop solicitor in that case