Whether you need an Orlando plumber to tackle a big job like a whole house repiping to replace your old polybutylene piping or a small problem like a clogged sink drain, you should make sure your plumbing contractor is fully insured in the event of a problem.
A reputable, professional plumber will have both liability insurance and worker’s compensation insurance and will be happy to provide you with proof of insurance. Both types of insurance protect the homeowner from liability in the event of an accident that causes damage to property or an injury.
Liability insurance is critical for any contractor, and plumbers are no exception. Liability insurance pays for damage caused by the plumber while working on your home. For example, if the plumber accidently sets your house on fire while sweating copper pipe, the contractor’s liability insurance will pay for the damage.
The damage would probably also be covered under your homeowner’s insurance policy, but you would be responsible for your deductible and also have to deal with the hassle that goes along with filing the claim.
Workers compensation insurance covers injuries to the plumber while working at your home. Without workers compensation insurance, you could be on the hook for these injuries! Again, your homeowners insurance would probably kick in and cover it, but you should not have to resort to your homeowners insurance to cover a worker’s injury when a reputable plumber would carry their own insurance.
A contractor should have their own liability insurance and workers compensation insurance so don’t let them get away with depending on your homeowner’s insurance. If the plumber is willing to cut corners on insurance, where else might they be cutting costs? You should also be concerned about the workmanship and any warranty provided by a plumber that cannot or will not carry their own insurance. Save yourself some trouble and make sure your plumbing contractor is fully insured before they begin work.
