Can they take our house

NCC-1707

elsien said:

And going right back to the OP who says the partner hasn't worked for 6 weeks because of Covid, window cleaners fall into the exception category if they can maintain safe distancing.
So unless he's isolating for health reasons, there's nothing in the guidance to stop him from continuing to work. (Aside from the potentially no longer being insured issue, obviously.) 

He's not a window cleaner though! He's a window fitter.

Manxman_in_exile

TW1234 said:

Hope you do take advice and don't sign that dubious document from the insurers.
The ladders were not, in themselves, a dangerous load. You just failed to secure them.
Negligence requires a lack of appropriate action, often over a period of time,and normally under circumstances which would clearly lead to an adverse incident if reasonable consideration were given to the matter.. (eg failure to maintain a vehicle, or using old unchecked security ties for the ladders.).
A momentary lapse of concentration may be careless, but sufficient to cause a similar incident and it is for the insurers to prove that such was negligent.
I doubt that you have a history of failing to secure the ladders, so you have given consideration to the need for security,so an isolated, brief lapse is more likely.

Repitition and/or duration has absolutely nothing to do with whether an action or inaction is negligent.

Shelldean

NCC-1707 said:

elsien said:

And going right back to the OP who says the partner hasn't worked for 6 weeks because of Covid, window cleaners fall into the exception category if they can maintain safe distancing.
So unless he's isolating for health reasons, there's nothing in the guidance to stop him from continuing to work. (Aside from the potentially no longer being insured issue, obviously.) 

He's not a window cleaner though! He's a window fitter.

Window fitters can work!
Son's firm started back last Mon, but only single man jobs and for those who could drive a works van. So son is still furloughed but his usual working partner is back working as he's can drive!
OP partner being self employed possibly works alone so could potentially do small jobs like my son's firm!

LABMAN

Shelldean said:

NCC-1707 said:

elsien said:

And going right back to the OP who says the partner hasn't worked for 6 weeks because of Covid, window cleaners fall into the exception category if they can maintain safe distancing.
So unless he's isolating for health reasons, there's nothing in the guidance to stop him from continuing to work. (Aside from the potentially no longer being insured issue, obviously.) 

He's not a window cleaner though! He's a window fitter.

Window fitters can work!
Son's firm started back last Mon, but only single man jobs and for those who could drive a works van. So son is still furloughed but his usual working partner is back working as he's can drive!
OP partner being self employed possibly works alone so could potentially do small jobs like my son's firm!

Some can work, some can't like your son.

Jumblebumble

born_again said:

Insurance co's & Banks will abide by ombudsman decision, but can challenge them by asking for it to be reviewed, as can a consumer.
But just as a consumer can, if still not happy go to court for a judgement, so could a Insurance co or Bank. Though they would have to be 100% certain on winning. Given how a court would view the case & the massive costs.

Lets hope that the OP does not get so confused about this debate that they then don't actually contact the ombudsman thereby potentially throwing out the baby with the bathwater
Whilst you are no doubt correct in what you say in my view the only thing the OP should be concerned with is the Ombudsman's final decision