Home owners are responsible for injuries to tradesmen working on their home if they fail to protect them from harm.
This is the lesson from an important decision on occupiers’ liability: Hendrex v Keating  TASSC 20decided this month.
Chief Justice Blow of the Supreme Court of Tasmania found that that the home owners (Matthew and Lisa Keating) had breached their duty of care for the safety of their tradesman (Dale Hendrex), and awarded damages of $1,126,904.
What was the duty of care, how was it breached, and did it cause the injury?
The Keatings wanted to replace the roof cladding at their house in Pybus Street, Snug, South Hobart. They engaged Hendrex, a roofing contractor they knew, and agreed to pay him $25 per hour. Mr Keating, a neighbour and another friend helped Hendrex, as unpaid volunteers.
Mr Keating set up his ladder on the concrete driveway at the front of the carport so that Hendrex and the other workers could travel to and from the roof of the house via that ladder and the roof of the carport. The ladder was erected in the “A” position, and not in the extension position. The ladder was tendered as an exhibit at the trial.
The duty of care
The Court was satisfied that the Keatings owed Hendrex “a duty to take reasonable care to protect him from harm when he was travelling up to and down from the carport roof.”
The Court did not explore whether or not the risk of falling was obvious, and therefore whether the defence of voluntary assumption of risk could be raised by the Keatings.
The breach of the duty of care
Each of the three requisites set out in s 11 of the Civil Liability Act 2002 (Tas) were satisfied:
The requisite that the breach of the duty of care caused the harm was satisfied for the purposes of s 13 of the Civil Liability Act 2002 (Tas) –
“But for (a) Mr Keating’s failure to erect the ladder as an extension ladder, with its top well above the carport roof, and (b) his failure to secure the ladder with a rope, [Hendrex] would have descended the ladder in a conventional way.”
The Court said that “it is clearly appropriate that the scope of the Keating’s liability should extend to the harm that Hendrex suffered”.
Was Hendrex contributorily negligent by failing “to take reasonable care for his own safety” under s 23 of the Civil Liability Act 2002 (Tas)?
The Court found that the injury was caused in this way:
Hendrex “elected to descend from the carport roof by sitting on the edge of the roof, stepping face forward onto the ladder, and descending the ladder without turning to face the ladder”. “He lost balance on the way down, causing the ladder to fall over”. He suffered severe head injuries, fractured both of his wrists and injured his right shoulder when he fell onto the concrete driveway.
The Court found that Hendrex was negligent, just as Keating was – because he should have looked at the ladder before he climbed it, and saw that it was not fully extended and not secured, and either did so himself, or asked Keating to do so.
The Court considered that Hendrex was more negligent than Keating because he had descended the ladder frontwards, with nothing to hang onto. Therefore the Court apportioned to Hendrex 60% responsibility and to Keating 40% responsibility for the fall. And so the damages awarded to Hendrex were reduced by 60% because of his contributory negligence.
The damages were assessed on the basis that: Hendrex was 36 years old on the day of his fall and 44 years old at the time of the trial; he had not done any paid work since his fall; he was permanently unemployable as a result of his fall; he was substantially incapacitated with brain damage: memory impairment and headaches; and his wife had taken the role of a carer, looking after him day and night.
Click here to view the table.
In addition the Civil Liabilities Act claim, Hendrex pursued two other claims at the trial –
The proceedings illustrate the importance of maintaining Home Insurance, because of the Liability cover it contains. This is a typical cover –
We cover the legal liability of you or your family for: death or bodily injury to someone else, or loss or damage to someone else’s property in an incident that takes place in your home or at the site and for which you or your family is responsible as an owner or occupier of your home or the site. For example, you may be liable when someone falls and is injured when visiting your home.
This covers not only the damages award, but also the legal cost of defending the proceedings.
And so unless a home owner has Liability insurance, they are putting their property and their assets at risk every time a tradesman visits, even if the tradesman has their own insurance.
Source : Cordato Partners
You must log in to post a comment.