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  #31  
Old 08-09-2012, 10:12 AM
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Florida Gardener Florida Gardener is offline
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Quote:
Originally Posted by G.M.Landscaping View Post
I've had two claims on broken glass. Turned them both in and didn't pay anything out of pocket. Ins. didn't go up either. If I'm paying for insurance I'm using it.
That's how I look at it. If you pay out of pocket, it's like your paying twice....if rates go up, theyre not going to skyrocket off of a $900 claim...if they go up at all.
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  #32  
Old 08-09-2012, 11:14 AM
Mark Oomkes Mark Oomkes is online now
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Originally Posted by THEGOLDPRO View Post
I paid out of pocket on this one, I have no deductible on glass so it wouldn't have cost me a dime. But i didn't want my insurance to go through the roof for a few broken windows.

This was done by my string trimmer guy, he dug the trimmer into the dirt and sent rocks flying.
Wiped out a $1500 plate glass window early this year. Paying that one out of pocket as well.

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Originally Posted by diamondlandscaping View Post
No, I'm just asking out of curiosity...maybe someone else had a similar experience...that's all.
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General rule of thumb from my agent is they don't get excited about your rates until you hit half your annual premium.

Yes, it is paying twice. But sometimes you "save" your claims for a big one. Don't ask how I know this.

Cost of doing business either way.
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  #33  
Old 08-09-2012, 12:33 PM
RLS 2010 RLS 2010 is offline
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Originally Posted by Riverstonelc View Post
2008 we busted out a 3000 dollar French door. Last year we had a dog on a runner collide with a mower for a free dog leg amputation Yay
If i ever hit a customers dog with a mower I'd be done! I'd be to disturbed to do ANY work for a while.

Quote:
Originally Posted by G.M.Landscaping View Post
I've had two claims on broken glass. Turned them both in and didn't pay anything out of pocket. Ins. didn't go up either. If I'm paying for insurance I'm using it.
This is how I feel! I put a cultivator tine through a heat pump once. they loose refrigerant really quick that way! Turned it in to my Ins, I didn't have to pay anything and my rates didn't go up, and they paid for all the repairs.
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  #34  
Old 08-09-2012, 05:05 PM
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THEGOLDPRO THEGOLDPRO is offline
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Ill have to think about it, i can still submit it to insurance.
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  #35  
Old 08-09-2012, 06:04 PM
jbell36 jbell36 is offline
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****, my company hit 7 or 8 pieces of glass last year...we only claimed the most expensive ones because it still added up...my rule of thumb is anything under $300 or so i'll pay out of pocket, anything more i'll usually claim it...our problematic employee is gone now though, he was a good employee and showed up on time and all he just broke far too many windows, wouldn't listen to us when we told him what he was doing wrong...i'm talking $1000 a year or so of stupid mistakes...**** does happen every now and then, but not every month
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  #36  
Old 08-09-2012, 07:16 PM
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Florida Gardener Florida Gardener is offline
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Originally Posted by jbell36 View Post
****, my company hit 7 or 8 pieces of glass last year...we only claimed the most expensive ones because it still added up...my rule of thumb is anything under $300 or so i'll pay out of pocket, anything more i'll usually claim it...our problematic employee is gone now though, he was a good employee and showed up on time and all he just broke far too many windows, wouldn't listen to us when we told him what he was doing wrong...i'm talking $1000 a year or so of stupid mistakes...**** does happen every now and then, but not every month
I worked in this upper-scale restaurant. We had this food runner who would always drop trays with food. Whenever we heard a crash, everyone would say "wolfie!". Kids last name was wolf...it was quite comical
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  #37  
Old 08-09-2012, 08:48 PM
Pressedun Pressedun is online now
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Originally Posted by muddywater View Post
Insurance is such a scam. We pay all this money but never make a claim. I would have paid out of pocket too.

Your glass guy seems a little high. Were those name brand windows? Why couldnt he just replace the one payne?
What happens if you shoot a rock out and hit a person in the eye, blinding them for life? Insurance isn't a scam, it's part of the cost of doing business.
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  #38  
Old 08-11-2012, 02:10 AM
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PlantscapeSolutions PlantscapeSolutions is online now
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In ten years we only had one broken window on an old ladies sun room. It was about $300. The two years ago we broke two windows on the same street about two weeks apart. Each window was multi-layered with film and all kinds of great stuff. Each window was about $1000. On the second window I said uncle and used my insurance and it didn't cost me anything. Rates didn't change either.
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  #39  
Old 08-12-2012, 12:32 AM
pjlandscapes pjlandscapes is offline
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If you don't mind me asking what was the glass company that you used?
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  #40  
Old 08-12-2012, 08:18 AM
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THEGOLDPRO THEGOLDPRO is offline
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Heritage glass.
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