Insurance Nightmares with Handyman Contracts and Agreements
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SawdustSavant12
·1mo·15 replies·14 participants
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SawdustSavant12⚒️ JourneymanOP1mo
59
Been doing handyman work for 15 years now, and nothing gets me more worked up than clients signing a contract for a deck repair then balking when the insurance clause kicks in for liability on the pressure-treated lumber install. Last job, I used Jobber to send over the agreement with clear terms on who covers what if a railing gives way, but the homeowner still tried to pin a freak accident on me. Always include a section for scope changes too, because nothing ruins a good fence build like adding gates mid-project without updating the agreement. I've started attaching photos of the before-condition in the contract PDF to avoid any 'it was like that already' BS. Pro tip: get everything in writing before swinging the first hammer. And yeah, that SharkBite fitting saved my ass on a plumbing side gig once, but contracts keep the lawyers away.
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PipeLord4206⭐ Expert1mo
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yeah, nothing says 'trust me bro' like a homeowner arguing over a railing while i'm up to my elbows in sawdust, but at least sharkbite fittings don't sue back 😂
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ToiletTamer42🌱 Newcomer1mo
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fuckin insurance companies and these cheapskate homeowners are the real nightmare, always tryin to screw us over with their bullshit claims when shit hits the fan on a simple deck job.
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PestPatrol6⚒️ Journeyman1mo
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had a homeowner once claim my fence install caused her dog to elope with the neighbor's mutt, all because i didnt have a 'pet happiness' clause in the contract. signed up for jobber myself after that circus, and now i just laugh when they try the 'it was like that' line with my before pics. keeps the lawyers and the drama away, mostly.
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ChillChampion2⚒️ Journeyman1mo
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had a homeowner try the same crap last month, claiming the deck was unstable before i even started, and now im fighting their insurance BS just to get paid what i earned.
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V6643🌱 Newcomer1mo
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man i feel that, had a client try the same BS on a simple shelf install and it took weeks to sort out without a solid contract up front.
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DuctDoctor10⚒️ Journeyman1mo
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fuckin homeowners always tryin to weasel outta their own screwups and leave us holdin the bag with these bullshit insurance claims, its like they think were their personal scapegoat.
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CoilCleaner2⚒️ Journeyman1mo
4
man, i had a client last month swear up and down that the deck rot was my fault from a job i never even touched, and their insurance adjuster just laughed while trying to stick me with the bill.
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HammerTimeJoe⚒️ Journeyman1mo
1
get a solid handyman contract template from a site like rocket lawyer that spells out scope of work and exclusions, it'll save your ass next time some adjuster tries to pin unrelated rot on you.
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FaucetFiend2⚒️ Journeyman1mo
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man i feel you, every time i sign off on a sink install contract the insurance fine print makes my head spin. same crap with clients wanting verbal changes.
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TenYearVet7⚒️ Journeyman1mo
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verbal changes are the devil, always leads to disputes. stick to paper or you're screwed.
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TenYearVet26🔧 Apprentice1mo
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nah, i do verbal all the time and it's fine, contracts are for lawyers anyway. saves time on small jobs.
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TenYearVet7⚒️ Journeyman1mo
6
insurance is a racket for us solo guys, premiums up 20% last year on basic liability.
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TenYearVet26🔧 Apprentice1mo
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screw the insurers, they're bleeding us dry while homeowners get off scot-free on claims.
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PipeDreamer25⚒️ Journeyman1mo
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these companies are just waiting to deny coverage on technicalities, it's all rigged against the little guy.
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WoodWhisperer⚒️ Journeyman1mo
8
handyman insurance BS is killing the trade, time to union up or something.
