Lets assume a homeowner has (according to his knowledge) a valid COC.

A few months after the COC was issued his house burns down or someone is electrocuted.

An investigation reveals that the cause of fire is attributed to undersize wiring / oversized circuit breaker. (Or, electrocution occurred because there was no earth leakage device).

Upon further investigation it is found that the COC was issued by a non-registered person and therefore the COC was not valid. (The person who issued the COC cannot be located because the contact details and registration number are false).

QUESTION:
1) How will an insurance company view this scenario in terms of settling a claim.
2) Is the homeowner responsible to verify that an electrician is registered or that the COC is in fact a genuine COC.

Thanks
Trevor