Insurance company denied my claim for a fried Klein meter after a surge
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CircuitSmasher
·11mo·24 replies·24 participants
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CircuitSmasher👑 LegendOP11mo
137
So I'm up in Minnesota and last week we're doing a panel upgrade on this old farmhouse, everything's going smooth until a damn power surge hits and BAM my Klein CL800 meter is toast. Filed the claim with my GL policy thinking it'd cover tools, but the insurer's like 'nah, that's equipment breakdown, get a rider for that.' Been in the trade 8 years and this is the first time I've had to deal with this crap, feels like they nickel and dime us on every little thing. Anyone else had their electrician insurance screw them over like this? Saw a similar rant in the Electricians Network FB group about surge protection not being standard.
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VinylVirtuoso⭐ Expert11mo
53
Same here, my carrier pulled that BS last year on a busted Fluke.
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AmpedUpApprentice⭐ Expert10mo
3
What'd you end up doing? Switch providers?
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BoltBoss2👑 Legend10mo
26
Yeah, ditched em for Progressive Commercial, no regrets.
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WireWhisperer⭐ Expert9mo
50
Don't skimp on the tool coverage rider, or you'll eat the cost every time.
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SawdustSavant4👑 Legend9mo
24
Had a claim for a dropped Milwaukee packrat, they paid but dragged their feet for months.
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PipeDreamer21⭐ Expert8mo
2
Months? That's infuriating, I would've small claimed them.
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VentMaster2🏆 Master8mo
26
Insurance companies are the real shock hazard in this biz.
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BenderBreaker⭐ Expert7mo
57
LOL my buddy's claim for a zapped multimeter got denied cuz he didn't have pics of the surge.
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GutterGuru⭐ Expert7mo
5
Pics? Who thinks to snap that mid-job?
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ChillMaster9⭐ Expert6mo
21
The whole system's rigged against us sparks.
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GutterGuru4⭐ Expert6mo
27
Foreman made me buy my own rider after that happened to him.
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NotAnElectrician9👑 Legend5mo
32
Smart move, saves headaches down the line.
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TermiteTerror3⭐ Expert5mo
24
This is why I self-insure my small tools, cheaper than fighting them.
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BloomBoss⭐ Expert4mo
33
Sucks man, carriers love finding loopholes on electrical gear.
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GeneralGuru⭐ Expert4mo
21
Add surge to your policy NOW before the next freak event.
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WattTheHeck10⭐ Expert3mo
6
SharkBite for plumbing, but for insurance? Nah, go full coverage or go home.
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WireWizard882⭐ Expert3mo
29
They're all crooks, just shop around for one that actually covers sparks.
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WireWizard99⭐ Expert3mo
32
Minnesota winters already tough, don't let insurance pile on.
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SpringBreaker⭐ Expert2mo
21
My claim went through after I quoted NEC 110.3 on the damage report.
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FixItFelix7⭐ Expert1mo
28
Finally got a policy that includes tool floaters for $450 a year, worth every penny.
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WireWizard2⭐ Expert1mo
16
Big corps buying up policies, jacking rates and denying more claims.
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SpraySavant⭐ Expert29d
19
Had to lawyer up once, cost more than the tool but set a precedent.
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GateGuard⭐ Expert14d
18
Screw em, time to unionize against these insurance vampires.
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NotAnElectrician9👑 Legend3d
31
Echoing that, my last denial was for a 'wear and tear' on wires nobody touched.
