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I posted a while ago about a problem I'm finally wrestling with, a frozen shower diverter. I got as far as deducing that it's probably a "slip fit" spout, and that although my model is no longer made, another should work fine. Just trying to find a similar finish.
But then, on top of the fact that plumbers are puzzlingly avoiding returning calls (which is weird, you must admit, since they're dependant on new business), I'm getting different answers about insurance. It occurred to me to ask, since I worry about the possibility of damage, like to tiles, if their insurance covers it, and answers have included "Of course," "No way," and "I'd assume so."
In your scenario, I see no correlation unless the plumber is a bumbling fool, or the walls are completed rotted on the inside and a mere sneeze would make them collapse.
If I was a plumber and you called, then you asked about filing insurance claims for any damage I might do, I would run for the hills!
Some customers are a royal pain - they complain about any little picky thing. They are to be avoided at all costs because they are nothing but a headache. You are telling them from the get go that you are that type of customer.
Other customers are nice. Will offer you a glass of water and a cookie. Will let small things slide (no big deal).
When it comes to insurance, I would merely ask that they have generally liability insurance, and ask them to document it before starting work. I would then let it go.
After 15+ years of using the same plumber, I would never even think to ask about insurance.
He comes and "does stuff". It looks excellent to me.
He leaves and I send him money.
Win. Win.
Thanks, guys. Dave, I never worried about it either, but I was suddenly faced with something where I was worried that the titles might be wrecked. Because I was using a new guy. I even called the local state contractor oversight office, and got an unhelpful guy who wouldn't give me a straight answer. Apparently they require that a plumber have insurance, but don't care what it covers.
Billy, I don't think being a "nice" customer has anything to do with being lax about letting things slide. I don't just offer water - I usually offer a choice of drinks. But I'm still the client and am looking for someone to do a good job. And I don't think a competent company would be fazed by the questions. When I'm thinking of starting with a new place, one of the things I judge by is how well they answer questions over the telephone.
When I get calls and someone starts asking me about insurance, I am suddenly too busy to do their inspection.
That said, I have been in business for 24 years, and carry all of the required insurance. I'm ethical and responsible. However, their question raises red flags to me, and I don't need the potential problems from them. I just assume they have another agenda.
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My plumber is competent
