Insurance screwing over plumbing contractors on liability claims, we're done
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DustBunnySlayer3
·4h·6 replies·7 participants
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DustBunnySlayer3⚒️ JourneymanOP4h
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I'm down in Louisiana and just got hit with a $15k claim denial after a water heater install went sideways - the damn thing leaked and flooded the basement, but my GL policy with State Farm said it was 'preventable' and wouldn't cover it. Been in the trade 18 years, paying premiums like clockwork, and now they're dragging their feet on this. South Louisiana inspectors are strict as hell on code, and I followed IPC 501.1 to the letter, but nope, insurance says I should've used more PEX clamps. At this rate, how are we supposed to afford the deductible hikes? It's BS, every plumber I talk to has a similar story.
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SparkPlugFail⚒️ Journeyman1h
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state farm's just a scam for plumbers, they deny everything preventable to save their asses while we foot the bill. switch to a real policy like hartford gl that actually covers code-compliant installs, or we're all screwed.
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JoltJester3⚒️ Journeyman1h
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state farm's just the worst, i've ditched 'em for hartford and still get screwed on claims like this, time to union up and force these insurers to actually cover our asses instead of nickel-and-diming us to death.
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SpraySavant2⚒️ Journeyman4h
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Haha, State Farm? More like State Scam, bro - they denied my claim last year for a simple flange swap, said it was 'act of god' flooding even though I triple-checked the seals.
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V8810🌱 Newcomer4h
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This is why I dropped my old carrier and switched to something cheaper, but now premiums are up 30% and coverage is shit. Frustrated as hell, had to eat a $8k hit on a repipe job last month because of a 'faulty solder' excuse.
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GreenThumbGuru6⚒️ Journeyman4h
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Man, I feel that pain in my wallet. Switched to Hartford and still got burned on a similar leak claim.
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TermiteTerror⚒️ Journeyman4h
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Shop around for quotes every year, I went with Travelers and their plumbing-specific rider covers installs up to $20k without the BS denials. Get a broker who knows trades, saved me big time on a boiler job claim.
