Tag Archives: insurance

Inside Rain

I volunteered to help a friend move this weekend, expecting a relatively straightforwards process of putting a few computers, bags and boxes into my car and shifting to another place.

However there was still a bit of cleanup necessary – no thanks to previous flatmates who had left, leaving lots of stuff behind for others to deal with – so I got dug into helping tidy up the flat.

The apartment has an upstairs space, so I went up there to tidy up some stuff, minding my head with the low roof.

Notice that lovely sprinkler pipe aimed down at head height?

Unfortunately when I stood up a bit too far, I knocked the sprinkler with my back – not particular hard, I don’t have any bruises or anything – but enough to break the glass and cause a torrent of water to pour over me and into the apartment. :-(

Somewhat bad luck on my part, but the real issue was due to both poor design placement of the sprinkler and fatigued/damaged sprinkler heads.

Most of the sprinklers in the apartment have a metal shield around them, protecting the glass bulb, that when shattered, sets off the sprinkler in that area. (design being that a certain amount of heat shatters the glass and triggers the sprinkler).

A sane sprinker - sprinker head aimed upwards, so someone bumping the roof isn't going to hit the fragile end.

However the sprinkler I triggered looks more like this:

The dodgy sprinkler - note the missing metal shield around it, and the fact that it's facing down where it can be easily hit, rather than upright.

Without a before picture we can’t see what it originally looked like, but there’s no metal shield on the sprinker, nor any parts of it found in the post-flood clean up, so definitely appears to be an existing fault, which was the verdict of the fire department and to which the property manager agreed.

Thankfully that simplifies liability – not entirely sure who’s insurance would be liable otherwise, whether it would fall under the property owner’s insurance, the tenant’s contents insurance or the indemnity insurance of my own contents policy – regardless, it certainly shows the importance of actually having insurance, not just for your stuff, but for the liability protection.

Also, “sprinkler” really doesn’t aptly name these devices considering how much water pours out of them….

One sprinkler sure makes a bit of a flood....

Ground Zero - thankfully most of the water ended up in the bathroom and slowly draining away through the floor drains.

Priority number 1 - save the computers!

Thankfully it doesn’t appear that any assets got too damaged and the apartment should dry out with minimal impact, so it was a close call. However along with the other problems of apartment living, this incident gives me yet more reasons to avoid living in apartments.

Also any friends asking me to move apartments again are going to get a polite no – even the time I had to carry a piano down a hill to a Wellington house was less annoying than dealing with apartment parking, body corporates and fire suppression system flooding. :-)

Grand Theft Auto

Had a wonderful wake up this morning with a call from my property manager, advising that thieves had attempted to steal my car.

Apparently a tenant called in 111 around 7am in the morning, finding my car with the lights on, engine running and door open.

Once the property manager figured out that it was my car, they called me, but after a 4am coding session, I didn’t end up waking up until around 10am.

After running down and checking it out, I made the decision to try and shutdown the car, considering that the police weren’t appearing any time soon and I didn’t want it to a) burn all my fuel and b) risk the engine overheating.

Unfortunately my car knowledge is about as good as most people’s computer knowledge – I get in, turn it on and drive, which meant I wasn’t totally sure on the correct step – I figured that removing that battery would do the trick, but wasn’t totally sure if that was the right move.

Ended up calling AA, who were pretty pathetic and told me that I can’t get any callout as “it’s a vandalism problem”, making me wonder why I even pay for them at all and offering no other assistance.

My insurance company AMI wasn’t too useful at first, saying if I needed help, they’d send a first-responder service out and charge me. A subsequent call had one of their staff confirming that disconnecting the battery would be the correct step to take.

Once disconnected, the car then stalled and thankfully stopped, although I made sure to drop it into neutral before turning off the engine (automatic).

Left running at the complex entrance, fortunately other cars could just get around it.

Ripped up dash :'(

Bye bye beautiful :-(

The weird thing about the theft, is that after going to the effort to start my car, they then stole nothing but some change and my laptop car charger, ignoring my decent car stereo and of course, the car itself.

After reviewing the camera footage, it turns out that they stole my car simply to have something to open the security gate with, whilst they drove out with a specific car that they were targetting.

I guess they really did decide my Starlet was too uncool to steal… sadly they didn’t think it was uncool enough to leave alone entirely, probably due to it’s simplicity and no alarm making it easy to steal.

Pretty rough job (but not uncommon apparently) as they butchered the drivers lock and then tore apart the dash and ripped off the light control column, leaving it in a right mess.

Took about 7 hours for police to come out, not really my greatest first impression with police involvement, but the officer & forensics person were both friendly and easy to deal with and I now have a case number with them and a case number with my insurance company to have to chase up with them on Monday.

Not sure at this stage whether it’s going to be a repair or a write off – the rest of the car is in excellent condition and it’s a great unit, but it’s only valued at $4k.

Thankfully I do have insurance… although I’m sure AMI don’t love me, seeing as I just moved my car to them only two days ago, and it’s really going to fuck my no claims bonus. :-(