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Clean Cloth

  • Posts: 109
Damages and public liability claim.
« on: August 01, 2020, 04:42:25 pm »
As it is the weekend, just a bit of chat.

I have taken out Public Liability insurance with Hiscox via Gleaming.

If you have PL insurance you probably are already aware of this but I had assumed that in the event of damaging a customers window or property I would telephone Gleaming and report the incident, like with car insurance, you call the Broker or Insurer who deal with it.

But the procedure is different,
1) I must not admit liability.
2) Give the customer my insurance details and let them make a claim against me.
3) Fill in the Gleaming incident report.

If I decide to deal with the matter myself rather than pay the £150 excess then I cannot subsequently ask the insurers to get involved.

For anyone with PL with another company like A Plan or Alexander Swan, do you follow the same procedure?

I was thinking it would be difficult to not admit liability in many instances, like dropping tools on a conservatory roof or falling from a ladder onto a car.

I am a sole trader but expect some of you who employ staff may have quite a bit of experience with claims so would be interested to hear how you deal with it.

NWH

  • Posts: 12623
Re: Damages and public liability claim.
« Reply #1 on: August 01, 2020, 07:39:50 pm »
If any customer of yours ever has any work done inspect the glass and frames and if you do decide to clean them remove labels etc get them to sign something,I had it years ago they were scratched from the builder but the customer was trying to say they werenít there before I cleaned them this was when cleaning traditionally.
People can be nasty if they think itís too late to blame the builder they look for the next best thing,the window cleaner.

Clean Cloth

  • Posts: 109
Re: Damages and public liability claim.
« Reply #2 on: August 03, 2020, 05:52:05 pm »
If any customer of yours ever has any work done inspect the glass and frames and if you do decide to clean them remove labels etc get them to sign something,I had it years ago they were scratched from the builder but the customer was trying to say they werenít there before I cleaned them this was when cleaning traditionally.
People can be nasty if they think itís too late to blame the builder they look for the next best thing,the window cleaner.

You are correct, I have had this 3 times, 2 had new conservatories built and each had quite a big scratch on the outside of one sealed unit, I told the customers after my first clean.
The most recent was where the customer had 3 sets of french doors installed and there was cement and labels on the glass.

NWH

  • Posts: 12623
Re: Damages and public liability claim.
« Reply #3 on: August 04, 2020, 02:47:18 pm »

NWH

  • Posts: 12623
Re: Damages and public liability claim.
« Reply #4 on: August 04, 2020, 02:48:23 pm »
Went to clean this today and couldnít clean it because the home owner wasnít there to sign a waiver for me to clean it,disgraceful painting

NWH

  • Posts: 12623
Re: Damages and public liability claim.
« Reply #5 on: August 04, 2020, 02:50:27 pm »

NWH

  • Posts: 12623
Re: Damages and public liability claim.
« Reply #6 on: August 04, 2020, 03:02:05 pm »

Shrek

  • Posts: 3012
Re: Damages and public liability claim.
« Reply #7 on: August 04, 2020, 03:19:54 pm »
Is that roof full of paint?

NWH

  • Posts: 12623
Re: Damages and public liability claim.
« Reply #8 on: August 04, 2020, 03:24:57 pm »
The whole roof has paint bits on it like the last picture and there is splattered paint spots on all of them,it needs jet washing first to get rid of the bits as for the paint spots and over spray itíll be a ball ache.

Shrek

  • Posts: 3012
Re: Damages and public liability claim.
« Reply #9 on: August 04, 2020, 04:05:49 pm »
That would be a right pita job, Flippin eck make sure you charge well!

NWH

  • Posts: 12623
Re: Damages and public liability claim.
« Reply #10 on: August 04, 2020, 04:23:56 pm »
Of course I will be cleaning it for free 🤣🤣🤣🤣🤣.

NWH

  • Posts: 12623
Re: Damages and public liability claim.
« Reply #11 on: August 04, 2020, 04:24:21 pm »
That would be a right pita job, Flippin eck make sure you charge well!
Yeah I will do thatís why I need to talk to her first.

NWH

  • Posts: 12623
Re: Damages and public liability claim.
« Reply #12 on: August 04, 2020, 05:06:24 pm »
Itís a  regular clean that as well has been for years that house,that roof was clean before they came It just goes greenish after 6 months then it gets cleaned again honestly up close itís a disgrace how they left it.
Had the whole house painted would you not have just put dust sheets down over the roof.

dazmond

  • Posts: 19993
Re: Damages and public liability claim.
« Reply #13 on: August 04, 2020, 05:34:11 pm »
id use an unger trad pole with a ninja scraper on the end for the paint splatter(as long as the glass isnt self cleaning)if i was 10 years younger....

nowadays id tell them to get the painters back........no way would i be attempting to clean that roof!itll be a BALLACHE for sure,theres hardly any fall on that roof and coupled with the paint spots itll be a nightmare IMO.....I wouldnt even do it for £300.....

price higher/work harder!

NWH

  • Posts: 12623
Re: Damages and public liability claim.
« Reply #14 on: August 04, 2020, 05:41:49 pm »
There is a fall on it Daz it just needs the pump flat out,sheís had it done before 5-6 years ago and it was much the same then Iíll jet it then pole it sheís not bothered about getting the paint off to a certain degree although I would be.
Iíll just do it on a wettish day it always feels like a bonus when you can get something done when itís raining.