Skip to content
FF2 Logo
  • Accessories
  • Bathroom
  • Bedroom
  • Dining
  • Living
  • Kids
  • Kitchen
  • Office
  • Outdoor
  • Storage
FF2 Logo

What Happens if You Damage a Client’s Property During a Renovation

ByFF2 December 4, 2022December 4, 2022
What Happens if You Damage a Client's Property During a Renovation

Are You Covered With Your Current Insurer For Property Damage

Insurance liability for home renovations

Image by Stefan Schweihofer from Pixabay

Table of Contents
  • Are You Covered With Your Current Insurer For Property Damage
  • Contact your insurance provider right away
  • Submit the claims requirements
  • Contact a lawyer if it's a lawsuit

As a contractor, clients entrust the renovation of their space to you, whether it's a commercial or residential property. So, you must ensure you deliver and meet their needs to their satisfaction. However, accidents or mistakes could happen during the process that could damage the property. Therefore, you and your employees must be careful not to destroy, break, or lose anything that belongs to your clients. But if you face this situation, having the right business insurance can help.

General liability insurance is one of the common policies that companies get. It protects the business from damages caused to the client's property. For example, if you are renovating only part of the house and accidentally break the cabinets or vases, the said insurance will pay for these damages. The client may file a claim or lawsuit; this is where your liability coverage comes in. 

  • DEWALT 20V Max Cordless Drill/Driver Kit, Includes 2 Batteries and
    DEWALT 20V Max Cordless Drill/Driver Kit, Includes 2 Batteries and Charger (DCD771C2)
    • Compact, lightweight design fits into tight areas
    • High performance motor delivers 300 unit watts out (UWO) of power ability completing a wide range of applications
    • High speed transmission delivers two speeds (0-450 & 1,500 rpm) for a range of fastening and drilling applications
    • 1/2" single sleeve ratcheting chuck
    $ 99 -45%
  • Restoration and Renovation Handmade Wool Floral Area Rug for Living
    Restoration and Renovation Handmade Wool Floral Area Rug for Living Room | Elegant Flower Garden Design, Soft, Thick and Durable | Bedroom, Dining Room & Home Decor Carpet (5' x 8', Floral D)
    • 100% WOOL RUG: Our floral wool rugs are hand-tufted in India using the 100% finest Wool, combining luxurious comfort with exceptional strength to elevate your living space with elegance and durability.
    • CONTEMPORARY FLORAL ELEGANCE: Experience the modern sophistication of our wool rugs, featuring a colorful, intricate jardin floral
    $ 299
✖


August 6, 2024 20:23

Contact your insurance provider right away

You may think it's better to talk to your client personally about the situation, but don't do that. Don't discuss the issue with anyone besides your insurance provider or lawyer. Instead, tell your insurance provider about the claim for fast processing and resolution as soon as possible. Note that this insurance may not cover everything, but most policies include:

  • Property damage repair
  • Damaged item replacement
  • Medical costs for claims on bodily injuries
  • Administrative costs
  • Settlement, judgment, and court expenses

Review the terms of your insurance to determine what's included in the coverage. Also, if you need other protection besides property damage, you may need to add more to your insurance. For instance, if you or your employees often drive a work vehicle, commercial auto insurance will pay for the expenses of car damages if an accident happens. On the other hand, worker's compensation insurance will cover the medical expenses of employees that get hurt at work. It also covers lost wages if they can't go to work due to the injury. 

Submit the claims requirements

Your insurance provider will ask you to submit the requirements to process the claim. So, gather as much information and evidence as possible while the incident is still fresh. It will be more challenging to get them if you delay. Ask your insurance provider what they require, but most companies ask for the following:

  • Policyholder's name, which could be your name or your company's name.
  • Your contact details like name, phone number, and email.
  • Policy number
  • The company's or person's name whose property was damaged.
  • Incident location and date
  • Where the property is at the moment
  • Incident description and witnesses, if there are any.

Contact a lawyer if it's a lawsuit

Most incidents start with claims. However, if the clients are not happy with the insurance provider's offer, they may file a lawsuit, which would need the expertise of your lawyer. Follow what he instructs you to do. Again, your insurance provider may or may not cover the lawsuit expenses, depending on your coverage. 

If you don't have general liability coverage yet, now is the time to get one, especially if your line of business is at risk of damaging properties.  




Patricia Urquiola Collectable Furniture

Updated on October 20, 2023
•
By FF2
•
Posted in Accessories
Patricia Urquiola Furniture From Days Gone By Kettal Outdoor Furniture This summer, enjoy family BBQs and picnics in style. One way to...
Read More Patricia Urquiola Collectable Furniture
Tagsdesigners

60 Massage Chairs Styles and Pictures

Updated on April 17, 2021
•
By Cade Wilson
•
Posted in Living
Massage chairs are no substitute for a great treatment from a well trained masseuse, and for those who want the next best thing...
Read More 60 Massage Chairs Styles and Pictures
black-and-white-leather-sofa

Unusual Sofas: Stradivani Sofa by Mario Bellini

Updated on October 21, 2023
•
By FF2
•
Posted in Designers
Bella Stradivani Sofa by Mario Bellini The Bella Stradivani Sofa by Mario Bellini is a masterpiece that epitomizes elegance and sophistication.
Read More Unusual Sofas: Stradivani Sofa by Mario Bellini
Tagssofa ideas, sofas, unusual furniture, unusual sofas
Timeless Style: Tosca Bed from Verardo

Timeless Style: Tosca Bed from Verardo

Updated on February 23, 2016
•
By Amy
•
Posted in Bedroom
Trends and fashions come and go in the blink of an eye.  A true and lasting achievement in design is to create...
Read More Timeless Style: Tosca Bed from Verardo
The Kit - Cub Kitchen Is Cubical Yet Very Practical

The Kit – Cub Kitchen Is Cubical Yet Very Practical

Updated on May 29, 2014
•
By Chris Michaels
•
Posted in Kitchen
This Kit – Cub Kitchen furniture design is something that would make even Picasso very proud. But we'll be moving past Cubism...
Read More The Kit – Cub Kitchen Is Cubical Yet Very Practical
Dare to be Different: The Cool Sofa from Frajumar

Dare to be Different: The Cool Sofa from Frajumar

Updated on May 29, 2022
•
By Amy
•
Posted in Living
Finding a sofa that fits the size and look of your space can be difficult. Some sofas are too large, some are...
Read More Dare to be Different: The Cool Sofa from Frajumar

Posts navigation

1 2 3 4 … 532 Next Page




We hope you like our recommendations! As an Amazon Associate I earn from qualifying purchases. Thank you for using our links, it is much appreciated.
  • Privacy Policy
  • About Us
  • Contact
  • Affiliate Disclosure

© 2024 Furniture Fashion

Cookie Policy
This website uses cookies to improve your experience. We'll assume you're ok with this, but you can opt-out if you wish. Cookie settingsACCEPT
Privacy & Cookies Policy

Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are as essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may have an effect on your browsing experience.
Necessary
Always Enabled
Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.
SAVE & ACCEPT
Scroll to top
  • Accessories
  • Bathroom
  • Bedroom
  • Dining
  • Living
  • Kids
  • Kitchen
  • Office
  • Outdoor
  • Storage
Search
x