Firework damage

[crossbow]

Has anybody's boat suffered damage as a result of firework displays?

 

[puddock]

Nope.............. but I know a man who did....................

 

[Boomshanka]

There was a post on here last November about a chap who had a parachute flare land on his boat in the Hamble... bit pushed at work at the mo. but worth a search... lot's of pics

 

[jason -and the arguenauts]

Yes. I had someones rocket land on the roof of my car and put a nice round dent right in the middle.

 

[drawkins]

we were moored up in some french port,can't remember where,but it was time for the fireworks.we were right in the front seat.no 'ealth & safety just two jolly pompiers allocated to our boat for the duration. to look after us.good evening,what I remember

 

[Twister_Ken]

You should be aware that 'pompier' has an alternative meaning!

 

[photodog]

Nope.............. but I know a man who did....................

Ahhh, the Hyundai MisFortune.



Look at all them Samsung Tellies burn.

 

[crossbow]

Regatta fireworks

The problem is that my decks were damaged by firework debris and it seems that the organisers may be denying liability as they say that this has not happened before. I'm looking for other people who have suffered the same problem and can help me to recover the £3000 cost of repair!

 

[footsoldier]

Wow!

In these days of elfen safety, litigation etc. the organisers are required to have public liability insurance, so its not really their place to argue the toss about liability, they can simply pass the problem on for their insurers to sort out. To get them moving, if you have not yet done so, I would send them a letter, recorded delivery, formally stating that you intend to pursue them for reparations and suggesting that they refer the claim to their insurers. For the sum involved, it might be worthwhile getting a solicitor to kick-start them with a letter.

You also neede to ensure you have secured all the evidence - photos, firework debris, details of any independent witnesses etc.

 

[jhr]

You should be aware that 'pompier' has an alternative meaning!

You're probably OK unless they tell you that their hose has broken and that, accordingly, they need you to help them "faire le pipe". If this happens, take immediate avoiding action....

 

[Nautorius]

The problem is that my decks were damaged by firework debris and it seems that the organisers may be denying liability as they say that this has not happened before. I'm looking for other people who have suffered the same problem and can help me to recover the £3000 cost of repair!

Put it in the hands of your insureres and let them argue it with the other side. They will never accept liability or their insurance will not pay out!

Good luck and keep us informed

paul

 

[TamarMike]

Yes. I had someones rocket land on the roof of my car and put a nice round dent right in the middle.

Happened to me too

 

[mjcp]

Put it in the hands of your insureres and let them argue it with the other side. They will never accept liability or their insurance will not pay out!

Good luck and keep us informed

paul

Not quite a "put in the hands of your insurers". We had a situation with water damage in a house we rent out from an unknown source (though next door had just moved an upstairs bathroom - QED as far as we were concerned).

Process in our case (and std as far as the claim handler was concerned) was:

1> Contact other party.
If no joy
2> Make claim from YOUR insurance for repair (pay excess etc)
YOUR insurance company will then pursue other party for relevant liability/costs etc.
3> Other party MAY then choose to make own claim for the payout.
IE they can choose to d 1 ck around as they see fit. (BUT your insurance company will deal with it and having paid out to you already they will be rather keen).

The short answer is you would have to claim on your insurance first with the risk to no claims and excesses etc.

mjcp

 

[Carioca]

If you only have third party insurance then going to your insurance company is not and option. Get a solicitor to write to the organiser advising them that you intend to open a claim in the small claims court for reparation, your claim should be for the cost of repair PLUS a reasonable amount to cover your costs legal and personal that you will have to pay to get there, they will have little option then but to advise their insurers. However their insurers will likely take the same tack and play poker and you probably will have to get as far as the court steps before they will make an offer (hence estimating costs in intiall submission to organisers).
You can of course do the same thing even if comprehensively insured, then your NCB etc should only be affected if you make a claim on your insurance they shouldn't penalise you if you are fighting your own corner.

tonyd

 

[pyrojames]

Can't remember there being many tellies on board, lots of PCs and fridges though.

 

[crossbow]

Thanks for this and we've done all that. The problem to date has been that in spite of recorded delivery letters, I have had no reply until this week, when I have been contacted by the Fireworks contractor's assessor to whom the regatta committee has passed my claim . For goodwill reaons (I don't want to fall out with everybody in my home port of Dartmouth) I haven't yet activated a solicitor - but it's getting near that now.

Wow!

In these days of elfen safety, litigation etc. the organisers are required to have public liability insurance, so its not really their place to argue the toss about liability, they can simply pass the problem on for their insurers to sort out. To get them moving, if you have not yet done so, I would send them a letter, recorded delivery, formally stating that you intend to pursue them for reparations and suggesting that they refer the claim to their insurers. For the sum involved, it might be worthwhile getting a solicitor to kick-start them with a letter.

You also neede to ensure you have secured all the evidence - photos, firework debris, details of any independent witnesses etc.

 

[footsoldier]

Saw this post and thought it would be a post-Bonfire Night issue. I had forgotten about your mishap.

It does sound as though things are starting to move along, albeit slowly. Since they have referred it to a loss-adjuster, chances are that you will eventually see some progress. If you don't, you still have the option of concentrating minds by getting a solicitor to threaten a writ or by issuing a county court summons yourself.

 

[robertj]

firework display

If its an organised display of a good size it will require public liability insurance.
Having been involved with displays for a number of years in the past it is very difficult for the firework lighters to get insurance and usually come under the blanket of the Firework suppliers insurance.

This will only apply if the display is of some size to make it worth while for the Firework company to extend their insurance umbrella.

Hope this helps

 

[robp]

Saw this post and thought it would be a post-Bonfire Night issue. I had forgotten about your mishap.

It does sound as though things are starting to move along, albeit slowly. Since they have referred it to a loss-adjuster, chances are that you will eventually see some progress. If you don't, you still have the option of concentrating minds by getting a solicitor to threaten a writ or by issuing a county court summons yourself.

Issuing County Court summons is really easy these days, online. It does tend to concentrate the defendants' minds.

 

[Chris_Robb]

You should be aware that 'pompier' has an alternative meaning!

Buggered if I know what you mean.....

amazing the swear filter doesn't get this ****!