Sounds familiar. The house at Bacton pictured in my thread of a couple of months ago had downlighters in the remodeled kitchen/dining area, and somebody there had installed fiberglass insulation right over the whole lot.
Who is responsible for seeing that such a thing doesn't happen here? Good question, but I don't think there's any official answer. Logic tells me that it depends upon which is there first: If I fit downlighters in a ceiling which already has insulation, then it should be up to me to remove the appropriate portions. If the insulation mob come along after I've fitted the lights, then I think it's their responsibility to not cover them up.
