advice plz

Man_Overboard_2

Terrylw1 wrote: »

Since the OP is considering a case for some form of negligence, I meant to access any incident reporting they may have received.

The purpose of insurance is to restore the 'Status Quo' (if only ...)

If the OP wishes to take things further, then maybe you are right, but she should be careful not to compromise the main claim.

After 20 years, it would be surprising if the electrical equipment in the house were still in tip-top condition, so I'm not sure who would be regarded as having been negligent in not taking steps to check things out.

Terrylw1

I agree, this type of claim would come later.

I'm not sure on this element of safety checking. I know from dealings with one distributor who covers several regions, that they did their own checks every 6-12 months. I remember them saying it was due to lessons learnt over serious incidents.

However, I live in a different region and in 20+ years I'm yet to see a distribution engineer make a check.

It would be interesting to know their obligations. A review of the Utilities Act didn't show up anything. I'm thinking it will be in Ofgem's SLC's for distribution or transmission so might take a look.

Jamie_Carter

Man_Overboard wrote: »

All relevant reports will be dealt with by the insurance company - the OP's worries or opinions are of no significance unless questions arise about whether or not the OP was negligent in some way, which seems unlikely in this case

It is very important that the OP has copies of all the relevant information, including the firs investigation report. Insurance companies are only interested in like for like replacements of destroyed goods. They are not interested in getting you maximum compensation.