With out going into too much detail some of our property was damaged while a third party was doing work at our home, there is substantial repair required. Does this come under the remit of our insurance, or his (if he has some!!) ?
Luckily no-one was injured but at this point i have not even rang our insurance company. We have only just changed over companies and i'm afraid we wont be covered, i have yet to receive policy documentation!
My sister seems to think that as we did not do the damage we should not be liable. Is there not something re public liability where you have a workman on site or does that just cover any claim made by the workman against you for any injury to them?
In a bit of a panic and would appreciate anyones views or experiences on this?