Can you go into a bit more detail on this?
If your washing a house a break a window with your gun or ruin someone’s siding your insurance company will not cover you without care, custody and control. It sounds ridiculous and the only reason why you would get insurance but that is how they work. Maybe some do and call it something else but you need to ask the right questions.
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Just one question, what would you report? If the price tag is low I would just pay it out of pocket and my deductible reflects that amount. I talked to a lot of associates in the construction business and most said the insurance companies in my area are tending to drop people filing claims, or they jack up their rates.
I’m not telling you what to do, just something to think about.
Some windows are in the thousands, and i would say there are some people who would demand the entire assembly need to be replaced.
The more I read here, the more confused I get around CCC. This is discussed in another thread and I’m not sure how to link to it from my phone. The arguments for what CCC is and isn’t are pretty compelling.
Also, it appears some of the contributors are/were agents offering CCC coverage in some of the discussions.
Does anybody on here have direct experience with a CCC claim or exclusion?
My gut is telling me to go with the higher price quote, but’s significantly more expensive.
On the other hand I could go the discount route, get the LLC rolling and try to protect myself through terms and condition and disclaimers while only taking jobs well inside my comfort zone. The flaw in this strategy is it only takes one hardy plank job going bad to sink the whole thing.
Not all companies refer to it as CCC. Get any company you choose to provide in writing what you’re covered for. Even if it’s something extra. Like roof coverage for me. It’s an added document in my coverage.
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Getting closer. Found a local agent I’m really comfortable with that generated a quote on the spot. I like the price and coverage. Like @TexasPressureWashing said earlier it has this wording:
99952 CLEANING OUTSIDE SURFACES OF BUILDINGS BY WATER OR STEAM -
(Pressure Washing) - Includes power washing. Includes pressure washing of
driveways, sidewalks, and parking areas. Excludes maintenance or cleaning of
contractor’s equipment, watercraft, all-terrain vehicles, motorcycles, recreational
vehicles or automobiles. Excludes work on bridges, towers, water tanks or heights over
three (3) stories, work on roofs, any work involving water pressure over 4,000 PSI,
sandblasting.
The only downside is I won’t be insured for roofs. As a start up I guess this is acceptable and I can always adjust if I end up having to turn away lots of roof work. I don’t know if it’s because there’s been lots of roof claims due to several recent hail events, but he said any mention of roofs with add several thousand dollars to the quote.
The other interesting part is the company writing this is one another agent told me wouldn’t insure new pressure washers.
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That’s pretty much what my insurance says. Although, they were able to add an exception for roofs once they knew high pressure wasn’t used so maybe talk to them about the process. If they say they can cover you for roofs don’t just take their word for it though. Be sure you get it in writing.
Thanks @marinegrunt. I spoke with the agent about the process and no luck. He said anything that has to do with roofs will drive the cost up at least a couple thousand.
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Try an agent that can quote for Scottsdale Insurance. You won’t be disappointed.
I know this post is old, but, my dad is an insurance agent and when discussing insurance told me something that may be valuable to those of you finding this post in the search function:
Insurance agencies come in two flavors, captive and independent. Captive agents work for one company and can only offer products for that one company. (ex. State Farm, Farmer’s). Independent agents are usually brokers who work with a handful of insurance carriers, and often have access to dozens of products with competing contract language and pricing.
While captive agencies can sometimes offer good deals, it is often more time-efficient to find an independent broker that can shop out what you are looking for and bring back the best price. This can save you from having to call every insurance agency in town to see who has the best deal. Let that independent agent to all the work for you.
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