so does the insure sign off the risk assessment or does this become a bun fight if things go wrong....? My example of this is that to enter the little hayloft (bedroom) is by way of an old oak vertical through a trap ladder...Safe as houses, risk free, ladder access..would I need to get this sort of signed off in any way.
You just look around the accommodation and identify what any reasonable person would consider to be a hazard. Building regs are your friend in that respect. For example a ladder to a hay loft might be a cyclists dream accommodation but if a sozzled cyclists falls through the hole during the night maybe not so. The building regs will tell you what is safe and ensure that the insurance company pay rather than you if the worse happens.
That's just an assessment of the Regs and the proposal to exclude them, this was referred to on page 1 of the thread. It might help if the OP stated whether they're under Scottish, England or Wales Regs
A ladder for access, (a loft door where hay was loaded in) For egress if emergency. (leads onto low pitched metal clad roof).
When risk assessing do you factor in stupidity, criminality, i mean is a deliberatly started fire factored as a risk also is a deliberatly overuse of alcohol factored as a risk.. Are we still in a world were the user can underwrite the liability as in "At your own risk" or have those days gone.
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