Customer's kid knocks over my ladder mid-exterior job, now $2k in damage here in Atlanta

Out here in the Atlanta area, I was spraying some Benjamin Moore Aura on a two-story ranch, everything going smooth until the homeowner's hyper 5-year-old barrels into my ladder. Ladder tips, knocks over the Graco airless and a can of primer, spills everywhere and dents the siding bad enough I gotta replace three sections. Insurance wants $2k to cover it, but the folks are balking at the deductible. FML, anyone dealt with kid-related chaos like this? Saw a similar story in the Painting Contractors Facebook group last week.

man that sucks, kids are walking hazards on job sites.

don't ever work without a waiver for kids around, had a close call with a lawsuit last year.

document everything with photos right away, that'll help your claim go smoother.

lol at least the kid didn't try to 'help' paint too.

been there, little ones turning jobs into circuses.

ha, sounds like my last gig, ended up with fingerpaint art on the drop cloths.

same here, pint-sized tornadoes everywhere i go.

watch out for those claims, insurers drag their feet on kid stuff.

never leave gear unattended near rugrats, lesson learned the hard way.

chuckle, bet the parents thought it was hilarious till the bill hit.

this crap is why i charge a chaos fee now.

we're all getting screwed by these lowball deductibles.

had a ball game turn into a paint fight once, kids edition.

what age were they, does it matter for the claim?

the whole industry's fed up with homeowner negligence.

kids running wild, feels bad but gotta protect yourself.

insurance companies banding together to nickel and dime us.

how bad was the spill really, worth fighting?

the man, always the parents who let it happen.

pissed me off last week with a similar ladder tip.

we hate these stories cuz they hit too close.

big corps ruining good jobs for everyone.

had a drop cloth avalanche thanks to a toddler.

do you guys use nanny cams on site lol.

the insurance hikes after this will kill me.

same boat, client won't pay up.

what's your go-to for exterior primer anyway?

screw these homeowners who think it's free babysitting.

frustrated af, lost a whole day cleaning up.

use zinsser for better spill resistance next time.

get a sub for kid zones, worked for me.

they all do this, united against us pros.

atlanta traffic bad enough without this bs.

roller marks from the spill? nightmare.

quote it high, let them negotiate down.

same crap, kid + tools = disaster.

what brand ladder you using, stable ones?

the collective sigh from all painters right now.

dammit, my back still hurts from last slip.

hate when kids turn sites into playgrounds.

ben moore aura is solid, but spills suck.

graco down? that's a $500 repair min.

we're all in this liability hell together.

warned a guy last month, ignored me.

don't skimp on site fencing.

pe firms jacking up our rates indirectly.

same, toddler chaos on a deck job.

hilarious in hindsight, but wallet hurts.

i use ppe for kids too now, helmets lol.

$2k? ouch, georgia insurers tough.

frustrated with the cleanup alone.

add a no-kids clause in contracts.

we're getting hosed by these claims.

pissed, similar thing happened to my buddy.

never trust a ladder near play areas.

sharktank fittings? wait wrong trade, but liability same.

felt that, kid + paint = modern art fail.

document and bill the parents direct.

what's your deductible setup?

we rule these jobs when we stay safe.

comedy gold, kid yelling oops.

shingling in rain worse than this.

don't spray near windows with kids.

alert, had a claim denied once.

hit 10 years without major incident, proud.

scaling up means more kid risks, ugh.

my crew's the best, no accidents yet.

closed a big exterior deal, feels good.

customer kid photobombed the before pic, epic fail.