Hi. We're in England. A friend of mine had her bathroom completely
befurbished. Over the three week period that it took she allowed the
plumber her spare key for access while she was at work. She also
allowed him to put his (her) materials in her garage whilst the build
took place. Yesterday she dropped into a conversation that the plumber
(who finished her work 5 weeks ago) still had materials  for all his
other jobs in her garage and was going to her house while she's at
work to get the stuff. He lets himself in her house then gets the
garage key from a hook and does whatever in the garage. I believe she
is loco and that her insurer, in the event of an UNRELATED loss, could
well penalise her. I would like to know how she stands lawfully re the
insurance or other losses, if they occured, generally. And should she
be aware of anything I've missed. Like if he left the door open and
THEN she was robbed etc

She is loco.

As she allowed access, no insurance company would entertain a claim.
These days they even try to avoid legitimate claims.

Tell her to change all the locks that have been compromised
IMMEDIATELY.

Nonesence Probonobuplico. If you cannot trust a tradesman then how can
you be sure the locksmith has not kept coppies of the new keys

Hi, Kemlo

When you get right down to it, you can't trust anybody except you and
me ...

But, supposing, someone does burgle her house ...

Then the tradesman is placed in an invidious position.

In any event, householders should take 'due care' and allowing access
to a tradesman AFTER her has finished his work just ain't very smart.

Kindest regards

Big B

Perhaps kernlo is correct. Probono is exaggerating unless things are
different in England than in the USA. In any case, 5 weeks is much too
long to use her garage for storage, unless she considers the carpenter
a friend. It would be very bad PR for an insurance company to refuse
to pay a robbery claim even if several friends had keys. I would
prefer to self insure rather than have an insurance company tell me
which of my friends I can trust. Probono is however correct, the
trades person is very imprudent not to return the key promptly upon
completion of the work and orca's friend may be prudent to change the
locks. Most people find the stress of being robbed worse than the
financial loss.   Neil