[John29207]

Should I pay for this out of pocket or let my insurance cover it? Ive heard using your insurance will cause your rate to increase. Storm door, glass.

 

[Andrew H]

Up to you, storm door should only be a few hundred bucks on the high end. However that’s what insurance is for, and they should have no issue paying out a small claim.

personally, I’d just pay it out of pocket

 

[Mark Oomkes]

How much and what is your deductible?

 

[John29207]

A glass company said they'd replace the glass for $300.

 

[weeze]

i hate those doors. i've busted a couple myself. mower or edger catches a tiny pebble and throws it at the glass and "boom" it explodes.

 

[Jake the grass guy]

A glass company said they'd replace the glass for $300.

see what your deductable is and pick the lower of the two. personally i dont pay for insurance not to use it. if you use it and rates go up next year shop for a better rate.

 

[BigJlittleC]

see what your deductable is and pick the lower of the two. personally i dont pay for insurance not to use it. if you use it and rates go up next year shop for a better rate.

This.

 

[weeze]

can always work a deal to give a few free mowings to pay for it. it's the same either way. pay them the money or don't charge them for work done until the amount is reached.

 

[BigJlittleC]

can always work a deal to give a few free mowings to pay for it. it's the same either way. pay them the money or don't charge them for work done until the amount is reached.

If a guy I'm paying to do services for me broke something. I would want them to make me whole and quickly. I wouldn't give them a interest free loan. It's $300 pay up and be careful.

 

[Mark Stark]

A glass company said they'd replace the glass for $300.

For that price, just pay it.

 

[windflower]

I broke a car window last year. Insurance didn't even question it for that small amount of $. Was around $375. Premium was unchanged this year.

 

[Mark Oomkes]

My deductible is $1,000.

I don't start making claims until around $1,500.

 

[weeze]

If a guy I'm paying to do services for me broke something. I would want them to make me whole and quickly. I wouldn't give them a interest free loan. It's $300 pay up and be careful.

i guess it just depends on the customer and the situation. some people may just decide to take the free mowings and not even replace the storm door.

i mean some people pay $300 a month so it would be a month without them having to pay that so it all evens out in the end either way.

we give people a $300 a month interest free loan all the time month after month year after year. they could do it for us "once" :laugh:

 

[John29207]

If a guy I'm paying to do services for me broke something. I would want them to make me whole and quickly. I wouldn't give them a interest free loan. It's $300 pay up and be careful.

So you would make your employee pay for it?

 

[BigJlittleC]

So you would make your employee pay for it?

No, my post was meant as a client of a service provider.

As an employer I would pay or fix any damages my employees make. Depending on the damages I might no longer have an employee.

 

[John29207]

I found out today that my employee was asked(by the home owner) to string trim an area that was a pebble bed, otherwise he knew to skip, should the home owner have some responsibility in this?

 

[Mark Stark]

I found out today that my employee was asked(by the home owner) to string trim an area that was a pebble bed, otherwise he knew to skip, should the home owner have some responsibility in this?

In this case, yes. Absolutely. You also need to make it clear to employees that they are NOT to just do things that the client requests. If they're unsure, they should tell the client "I'd love to help you with that but I know we're on a tight schedule so I'll just need to run this by the office".

Did the employee tell the client that it's a bad idea to string trim this area? Why are you just getting this critical piece of information now?

 

[weeze]

also be careful about this type of thing. lots of times the homeowner will try to give you the price for an entire new door like $500 or some will try to "upgrade" their door and pick out some fancy new door that costs like $750 and expect you to pay for it. all you have to pay for is the cost of the glass replacement on the door that is already there.

 

[John29207]

He(my employee) told the home owner that he had to run the request by me, but the lady insisted that it was just a little area and so he did it. The home owner was given an email prior to this to remain inside when workers are on the property. The employee suggested splitting the cost, but would I be out of line asking the home owner to split the cost also? The home owner actually told me initially that she never talked or asked anyone to trim the area.

 

[MowDaddy]

He(my employee) told the home owner that he had to run the request by me, but the lady insisted that it was just a little area and so he did it. The home owner was given an email prior to this to remain inside when workers are on the property. The employee suggested splitting the cost, but would I be out of line asking the home owner to split the cost also? The home owner actually told me initially that she never talked or asked anyone to trim the area.

Under this circumstance I would email the lady something simple like this.
"Very sorry your glass got broken, this is why we never trim by the pebble bed, when you came outside and asked Bob to trim it he said no. But at your insistence he did trim it. Do to the fact you had him trim the pebble bed I feel it would be fair that we split the cost of the glass. What is your opinion?

Now she has to either, Not respond, agree to it, or deny it.
Plus her response will be in writing and not just verbal.