Yup, I've checked lots of lintels, and guess what, they don't always work!I bow to your experience Woody, but what you say seems a bit odd, I need to bung in a 12 foot lintel which will sit on 6" of brickwork each side, so I will choose a catnic NN81B box lintel which the manufacturer says can carry 29Kn, surely the plan I submit must prove that there isn't more than 29Kn sitting on top of this otherwise no-one will know if the beam is correctly spec'd?
You have to estimate the loads. Floors are about 2kn/m2, 4" brick about 2.1kn/m2, block approx 1.35, 0.25 for plaster and render, 0.6 for the loft, and up to 1.85 for a timber tiled roof.
You can just take a 45 degree triangle above the lintel if there is enough masonry above, so loft and roof don't necessarily have to be included on ground floor lintels in houses.