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Is Your Plumber Properly Insured?

February 22, 2015

Plumbing emergencies are stressful enough without inviting extra risk into the situation. Anytime you invite service providers into your home, both you and the service provider are taking a calculated risk. In order to minimize negative consequences if anything goes wrong, you should always verify that any plumber or other service provider you hire is properly insured to do the work you require.

The last thing you want is a dispute between you and your plumber about who is liable in a certain situation. Your best course of action is simply to make sure you go with an insured plumber to begin with. The insurance not only protects both parties for accidents that might occur, but it is also an indicator that the plumber is legitimate and reputable. Without insurance, you may find yourself in an expensive court battle, where nobody truly wins.

Protect Against Theft

Whenever you allow strangers to enter your home, even if it is to work on your plumbing, you want to be sure your possessions are safe. While a plumber working alone is unlikely to steal anything (they’d easily be caught), it is still comforting to have an extra layer of protection when there are multiple workers entering and leaving your home.

Accidents

Whenever plumbing is involved, there is a risk of water damage. Plumbers are only human and as capable as they might be, they still make the occasional mistake, and that can result in water spraying everywhere. Water damage restoration isn’t cheap; it often requires removing floors and drywall, drying the area, and replacing and repainting what was damaged. As long as the plumber is insured, you won’t have to worry about either you or the plumber going broke trying to pay for unexpected damages.

Injuries

Plumbing insurance also covers injuries sustained by the plumber or by the plumbing project. When you’re working in cramped spaces with welding guns, risk of injury increases. Everything from bumps and bruises to major gashes and burns can occur during a simple plumbing project. Also, if the plumbing job somehow results in you or a family member getting injured, any resulting medical bills will also be covered. Health care isn’t cheap, even with minor injuries, so this coverage is important.

You should never hesitate to ask a potential plumber about their insurance coverage and liability procedures. Reputable plumbing companies will be open with this information and be willing to address any concerns you might have. Trust and transparency are vital for service providers, and Roto-Rooter plumbers are licensed and insured. We follow applicable plumbing codes and our technicians arrive in branded Roto-Rooter vehicles, so there’s never a question of who is there to help you.

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