robbed whilst working at a clients home

confused31_2

I know it would be a bit much and might be a paranoid, but are you sure it wasnt the owner? it seems a bit funny they knew exaclty where there computer and camera was.

Did they take the manuals and the chargers for the laptop and camera and why was they all together, was you and the owner in the house~?

I know if i go out i take my phone with me, im not being funny but in todays financial situation a lot of people are making insurance claims, whats better than claiming on yours, when they can get someone round and claim of them.

confused

meester

jenny74 wrote: »

Sorry but this is utter rubbish!

I have 10 years experience in Home insurance claims.

You claim from your policy for 'personal possessions' (assumming you have paid for this, as it is extra cover)

The client claims on his/her policy for their contents.

The only time the insurer may refuse to pay for your clients goods if you went out and left the door open/unlocked, as you were in, it wouldn't matter if the door was ajar or not.

You cannot claim off your clients insurer and vice versa because you can only insure you own things.

Er, have you not heard of liability?

When I drive my car, if I smash into somebody else and damage their car, my insurance covers the damage.

The OP may well be liable if he didn't take proper precuations, such as putting the chain on.

The homeowner might not even have contents insurance, and if the laptop is expensive it might not be covered, and in any case if I were the homeowner I would assume the OP had stolen it themselves, as he appears to have absolutely nothing to back up his story.

ben500

The claim for the householders items needs to be made to the householders policy by the householder, the claim for the phone needs to be made under pp as Jenny stated by the owner of the phone ie the op. If it is decided there is any liability on the part of the op then the householders insurers will seek recovery from op's insurers. You cannot claim for a loss that you have not incurred, if you don't own the property you have not sustained a loss. Neither insurers are likely to settle in the absence of a crime reference number.

jenny74

meester wrote: »

Er, have you not heard of liability?

When I drive my car, if I smash into somebody else and damage their car, my insurance covers the damage.

The OP may well be liable if he didn't take proper precuations, such as putting the chain on.

The homeowner might not even have contents insurance, and if the laptop is expensive it might not be covered, and in any case if I were the homeowner I would assume the OP had stolen it themselves, as he appears to have absolutely nothing to back up his story.

YAWN......

Car and home insurance are totally different. Liability on a home insurance is complicated and very hard to prove. The insurer of the client would have to prove that it was unreasonable to have the door open while the paint was drying. No insurer would actually persue a claim in these circumstances.

I don't know about you, but when I paint a door, i would remove the chain (or at the very least mask it off) so as not to get paint on it. SO it would not be unreasonable for the chain to not have been in use in these circumstances.

If the homeowner doesn't have contents insurance then more fool him. How rude you are to suggest that the OP may have stolen it. :mad:

jenny74

ben500 wrote: »

The claim for the householders items needs to be made to the householders policy by the householder, the claim for the phone needs to be made under pp as Jenny stated by the owner of the phone ie the op. If it is decided there is any liability on the part of the op then the householders insurers will seek recovery from op's insurers. You cannot claim for a loss that you have not incurred, if you don't own the property you have not sustained a loss. Neither insurers are likely to settle in the absence of a crime reference number.

Absolutely right. :cheesy:

confused31_2

You could always blame it on the Mysterons:D

http://uk.youtube.com/watch?v=bV8YbLvGrb0

I know this dont help but hopefully it will put a smile on your face:o

confused

niceguyed

PasturesNew wrote: »

I had a handyman/decorator in my house and I would lock doors behind him when we were going from the back to the front. He would (rudely!) mock me for locking the back door when we went in, but as we'd then be going to the 2nd floor, at the front of the house, it was a risk. He shouldn't have mocked me; he was terminated.

Good luck.

Let's hope the owner isn't like PasturesNew or you may find yourself "Terminated". Hasta La Vista Baby...:D

pickledpink

PasturesNew wrote: »

This risk is a fact of life. I live alone and if I am in my garden sunbathing and just pop inside to go to the loo (by the back door), I lock the door behind me. And that was in an area with no particular risk, it's just something I do and think about. Opportunists are everywhere.

You'd not leave the keys in your ignition on a garage forecourt when paying for your petrol. I had a friend who did this on a motorway and lost their car.

You have to think in terms of risk analysis and simple things to minimise and potentially zero any risk. An open door or window is an invitation to a thief and always has been. There've been many advertising campaigns over the years about this - and warnings in the summer about not leaving a window open even if you're in the house. Many people have had their house robbed while they were in the garden because they left a ground floor window open somewhere. It's one of those things you have to plan round by default.

As has been said by DFC, it might be that it's better to pay the householder direct and not out of your insurance.

I had a handyman/decorator in my house and I would lock doors behind him when we were going from the back to the front. He would (rudely!) mock me for locking the back door when we went in, but as we'd then be going to the 2nd floor, at the front of the house, it was a risk. He shouldn't have mocked me; he was terminated. Home security is VERY important to a householder. It is essential to feel that your house is secure when it's entrusted to a workman of any type.

Good luck.

You must live in a VERY rough area, PN!:eek:

Anyway, why are you paying for a decorator/handyman when you're only renting? Surely your landlord should be paying for those jobs!

You really have ideas about yourself above your station, don't you?

You're our of work, renting digs you hate; you complain about the neighbours above you who have the temerity to walk around their flat - and still you have delusions of grandeur!!!:rotfl: :rotfl: :rotfl:

I'm sire when you 'terminated' the builder he laughed his socks off at you!!! Builders and decorators (especially self-employed ones) usually earn VERY GOOD money - I don't know why you don't try and learn the same skills. You might be able to come off the dole then and save up for a deposit so you can buy your own place.

green_tree_2

Thanks to everyone (except for pasturesnew) for their comments ..some very helpful so thanks Jenny, Ben & Altyfc to name a few.
If a customer followed me around their house, locking doors behind them, i would find that an insult and leave the job. I have been in the trade 20 years and have fortunately never had a customer act in such a way.
I informed the police when i realsed the burgualry had taken place and so i have a crime ref number.

pickledpink

PasturesNew wrote: »

I think it is the decorator's responsibility because he was in charge of the house. The householder was not present (I presume at work) and the painter had come to do work. Therefore, was entrusted with the security of the house and while in his charge the house was robbed as a direct result of an action he did.

As a tradesperson he has relevant insurance, as stated in post #1, and surely part of that insurance is to cover items for which he is responsible.

It isn't as if the householder was also in the house, or had left the door open.

PN,

You obviously don't have contents insurance. Maybe it's not worth insuring a few bits - and that's why.

However, a HOUSEHOLDERS insurance covers you for any loss, theft, accidental damage.

The insurers will still pay out to the homeowner regardless.

It would be stupid and unreasonable to expect the OP to not keep the door ajar while the paint was drying - and as he was INSIDE the property as far as the insurance company would be concerned it was secured.

YOU'RE suggesting that anyone who opens their front door to pick up a pint of milk, or go and water some plants in the front garden - whilst still being ON the property - are being negligent!!

You're crazy!!