DrP Posted June 12, 2008 Posted June 12, 2008 if good old new zealand is so bloody great why don't they all bugger off back there They can't fit back in. Too many sheep!
stahc Posted June 12, 2008 Posted June 12, 2008 They can't fit back in. Too many sheep! baaaaaaaaaaaaaaaa.......MM left room for 3
Roderick Posted June 12, 2008 Author Posted June 12, 2008 It wouldn't make it to court. Your property burns down. Police and fire do their investigation and determine the source of the fire was electrical and started 'here' - which just happened to be your bit of dodgey work. Upon hearing that something dodgey was done the insurer would appoint their own investigator who would then attempt to find out who did the work and from then on its all bad news for you. Bye bye coverage.You may even find that your policy has a clause in it along the lines that if any substandard work caused the fire / electrocution the policy is void. Insurance companies have been at this stuff a lot longer than you have. They've got their bases covered. If your sustandard work caused the fire, then you would deserve to lose. Otherwise, if good, it would have no bearing. Get yourself a good lawyer. Keep going, by the way. Glad to see I have stirred up a hornet's nest. Thats what I was trying to do .
(ツ) Posted June 12, 2008 Posted June 12, 2008 Keep going, by the way. Glad to see I have stirred up a hornet's nest. Thats what I was trying to do . We noticed
myrantz Posted June 12, 2008 Posted June 12, 2008 If your sustandard work caused the fire, then you would deserve to lose. Otherwise, if good, it would have no bearing. Get yourself a good lawyer. That don't make any sense at all - why get building insurance, DIY to save some $$, and then have the money to afford a good lawyer later on?
DrP Posted June 12, 2008 Posted June 12, 2008 Otherwise, if good, it would have no bearing. Clearly you haven't done much in the way of insurance. Regardless of your work causing the event you may well find that cover is specifically excluded because you have illegal / unlicenced work on the premises and you didn't declare it. The fine print needs to be carefully read and understood. You might well be able to get cover that won't vanish at an inconvenient time if you declare what you have done up front but the premiums are going to be sky high. Here's a hypothetical for you. You purchase flood cover for your house. A watermain breaks outside your property releasing a torrent of water which happens to pass through your slab house flooding it to a depth of 1 foot. Are you covered? This should be an easy answer for someone that is as familiar with the ins and outs of insurance as you make yourself out to be.
Roderick Posted June 12, 2008 Author Posted June 12, 2008 Clearly you haven't done much in the way of insurance. Regardless of your work causing the event you may well find that cover is specifically excluded because you have illegal / unlicenced work on the premises and you didn't declare it. The fine print needs to be carefully read and understood. You might well be able to get cover if you declare what you have done up front but the premiums are going to be sky high.Here's a hypothetical for you. You purchase flood cover for your house. A watermain breaks outside your property releasing a torrent of water which happens to pass through your slab house flooding it to a depth of 1 foot. Are you covered? This should be an easy answer for someone that is as familiar with the ins and outs of insurance as you make yourself out to be. The fine print is often irrelevant, and can be overridden by common law, or just the whim of juges. Just because it is in the fine print does not mean that it will be heeded by the law. Rod
DrP Posted June 12, 2008 Posted June 12, 2008 Think again! Since the FSRA was shovelled through all that fine print has suddenly gathered a lot of weight. Your lack of experience is showing. If you have done any unlicenced electrical work on your home I strongly suggest your read your policy, carefully. Are you going to answer my little quiz about flooding?
jayweb Posted June 12, 2008 Posted June 12, 2008 I think most sensible people would like to think they could do all their <insert trade here> work. However I would like to draw simple things to your attention. After cyclone larry, biggest problem for local hospitals in Cairns and Innisfail - Chainsaw related accidents. I bet all of them prior to cutting arms/legs etc thought "I'll just chop this branch, how hard could it be" 50% of the population have an IQ under 100 Watch one of those shows that show home videos or Max Ex, there are a lot of people out there who have no idea of their limitations.....(trauma wards are full of them each weekend if you want to have some fun) Hence the reason we have rules, speed limits, not for the people who can do things, but for the people who cant. Work to the rate of your slowest member......thats what out society runs on. Sorry Rod, leave the electrical work to the sparkies. My two cents.
digitalj Posted June 12, 2008 Posted June 12, 2008 it's a bit like: Average Joe: My reception is poor, I'll replace the antenna. Average Joe replaces antenna with a random one that the Dick Smith Salesman recommended. Average Joe: My reception is worse, I'll take the antenna back and put the old one back up. Average Joe's reception is back to how it was. Average Joe: I'll replace the cabling. Average Joe Replaces cabling with standard Coax cable. Average Joe: My reception is still poor. On and on it goes, after 100's of dollars and hours upon hours is spent trying to improve things, Average Joe decides to get an Antenna Technician in who finds the reason in minutes, fixes/replaces it, and in the end all that Average Joe needed to do was replace the amplifier (for example), so 100's of dollars have been spent with lots of hours put in when only about $50 and 10 minutes were needed to do the job. An example of low risk stuff being done, but Average Joe not being able to determine what it was, and the Technician using the right meter found it quickly.
SDL Posted June 12, 2008 Posted June 12, 2008 I do the simple stuff myself. I grew up with a father who does all his own. He was one of those Poms that had to fit plugs, but also worked for an electrician for a while and wired up everything. He still does for many people and he passed it down to me. I won't for example put a new breaker on and run all the wiring when I finally get around to putting in my dedicated HT (damn plumber bill now holding back starting) but will do lighting and points.
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