It is not always the plodding diyer who is at fault. Some years ago, here in the North of Ireland, a plumber left his blow torch going and unattended above the suspended ceiling of a large, newly built shopping centre. Even with all the modern fire protection systems he succeded in razing the place to the ground.
This single incident was central to the call for increased liability indemnity in the UK. The firm he worked for dilligently carried one million pound cover. Unfortunately, the damage bill was well in excess of that!
