It seems we may be able to pursue a negligence claim in respect of the fire.
If your conveyancer cannot show that access exists, you might have a negligence claim against him.
This new right could prove to be of particular utility in medical negligence claims.
Coverage is included for fire damage, lost keys, and other negligence claims.
In the past five years, clinical negligence claims have risen from 5,697 to 8,655 per year.
The suit is to be filed under the state's public-nuisance law, rather than as a negligence claim.
One reason doctors take temperatures is to cover themselves against negligence claims, although doctors' legal defence bodies say there have been no such cases.
There is also an arbitration scheme under which many negligence claims are settled.
If they do, they can be exempt from negligence claims.
However, it also has its own panel to whom it recommends people wishing to pursue a medical negligence claim.