Crazy case studies
Realcover has received some claims involving circumstances that, quite simply, boggle the mind!
Take the instance where an agent was sued by a tenant after the tenant injected heroin and then passed out in the bedroom. The tenant’s hand landed on a heater and, because she was unconscious, stayed there for about six hours. The result? Catastrophic burns to the tenant’s hand resulting in amputation.
But the tenant claimed their injury was caused by the negligence of the agent. Why? Because, according to the tenant, the agent had failed to install a smoke alarm in the bedroom and had not carried out an adequate risk assessment of the premises. They also claimed that the premises were leased in circumstances that were unsafe, because it did not comply with legal requirements.
The case is currently with the Supreme Court and awaiting a hearing date, but it goes to highlight how a claim can arise from a situation which you could never envisage.
Realcover has also had a claim where a plaintiff sued an agent after they suffered an injury when they fell over a plant which protruded onto part of the footpath. The plaintiff claimed that allowing the plant to spill onto the footpath caused a safety hazard and the plaintiff sought damages from several defendants, including the managing agent.
It serves as a reminder that sometimes agents don’t need to be found negligent to be hit with hefty legal and defence costs.
Other typical professional indemnity claims
The type of claims Realcover has been involved in are certainly not limited to those set out above.
Other claims include:
...and the list goes on!
Realcover knows how the risks for agents are increasing, with new legislation aiming to expand their role into other areas.
However agents are not architects, engineers or landscape gardeners etc, and so our best advice is to get adequate professional indemnity insurance for peace of mind.
While care has been taken in preparing this article, and the information in it has been obtained from sources that Realcover believe to be reliable, Realcover does not warrant, represent or guarantee the accuracy, adequacy, completeness or fitness for any purpose that the article may be used. Realcover accepts no liability for any loss or damage (whether caused by negligence or not) resulting from the use of this article.