rhino1
Member
This happened to a friend of mine.... he was doing some VCT work in a large building with a big auto scrubber. At some point, some metal debris from a section of the building he took the machine thru to get to his work area became embedded in in one of the wheels.
The damage was alot... over $50,000 to replace the floor.
The insurance company has initially refused to pay, calling it a workmanship issue, which isn't covered. It is now in litigation.
I had a long talk with a friend who is an agent and he pointed out something I didn't even know.... some policies for contractors exclude coverage while work is in progress. Your only protection is if something happens AFTER you are done working. That tiffany lamp you broke while cleaning for Mrs Jones, not covered because you were still working.
Have a good heart to heart with your agent, go over real-world circumstances and get it recorded. CYA
The damage was alot... over $50,000 to replace the floor.
The insurance company has initially refused to pay, calling it a workmanship issue, which isn't covered. It is now in litigation.
I had a long talk with a friend who is an agent and he pointed out something I didn't even know.... some policies for contractors exclude coverage while work is in progress. Your only protection is if something happens AFTER you are done working. That tiffany lamp you broke while cleaning for Mrs Jones, not covered because you were still working.
Have a good heart to heart with your agent, go over real-world circumstances and get it recorded. CYA