Roadmap: Is the financial cost recoverable?

Is the financial loss consequent upon injury to person or to property belonging to the Claimant? [[Yes->Orthodox rules of recovery apply]] [[No->Is the financial loss consequent upon property belonging to another?]]

Orthodox rules of recovery apply

Is the financial loss consequent upon property belonging to another? [[Yes->No recovery (Spartan Steel, The Aliakmon)]] [[No->Is the claim based on the defective state of a physical item of property?]] [[Yes - but Claimant is beneficial owner->Claimant can recover if legal owner is joined (Shell UK v Total UK)]]

No recovery (Spartan Steel, The Aliakmon)

Is the claim based on the defective state of a physical item of property? [[Yes->Has the Defendant assumed a responsibility to the Claimant?]] [[No->Has the Defendant assumed a responsibility to the Claimant?]]

Claimant can recover if legal owner is joined (Shell UK v Total UK)

Has the Defendant assumed a responsibility to the Claimant? [[Yes->Claimant recovers (Hedley Byrne v Heller, Henderson v Merrettv, Spring v Guardian Assurance)]] [[No->No recovery (Murphy v Brentwood, BNL v Playboy)]] [[No->Claimant recovers (White v Jones)]] [[Yes->Claimant recovers (Smith v Bush)]]

Claimant recovers (Hedley Byrne v Heller, Henderson v Merrettv, Spring v Guardian Assurance)

No recovery (Murphy v Brentwood, BNL v Playboy)

Claimant recovers (White v Jones). Not at all clear but practical justice prevails.

Claimant recovers (Smith v Bush)