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This is why you better have insurance....

Discussion in 'Original Pictures Forum' started by THEGOLDPRO, Aug 7, 2012.

  1. joel29m

    joel29m LawnSite Senior Member
    Messages: 658

    I hit a double panel glass door awhile back only busting the outside glass. Agreed to buy another door, priced it , calls them to get it up and the homeowner tells me not to worry about it due to all the crap them kids leave in the yard , wrenches, screws toys, etc. I dropped that yard the next season.
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  2. chips17

    chips17 LawnSite Member
    from PA
    Messages: 81

    just hit a ladder today, unfortuntly wasnt one of those cheap fiberglass ones. it was one of those 16 foot roof ladders off a fire truck which has a price tag of an arm and a leg. well see how this plays off...
  3. muddywater

    muddywater LawnSite Bronze Member
    Messages: 1,813

    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?
  4. Would it really have gone through the roof? Off a $900 claim? Would it have gone up at all? I've had to make 2 claims on vehicles in the past 6 or 7 years through statefarm(1 my fault, the other some jerk with no insurance) and neither time did my rates go up....
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  5. easy-lift guy

    easy-lift guy LawnSite Gold Member
    Messages: 3,372

    And of course all that money paired out over the years and I never filed One claim, now I want my money back:dizzy:, in the real world you get what you pay for.
    easy-lift guy

    THEGOLDPRO LawnSite Fanatic
    Messages: 5,222

    Do i really wanna find out if it will over a few windows?
  7. No, I'm just asking out of curiosity...maybe someone else had a similar experience...that's all.
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  8. Duekster

    Duekster LawnSite Fanatic
    from DFW, TX
    Messages: 7,961

    You guys are making me worry. I just picked up an aprartment complex.
  9. White Gardens

    White Gardens LawnSite Fanatic
    Messages: 6,776


    Commercial Insurance is way different than your general Auto policy. There is an expectation that s**% will happen and rates generally stay flat regardless of a few claims.

    I've discussed this all with my agent. The only way you would see an increase due to a claim is if you made a ton of claims in one year, then the insurance provider would raise some questions.

  10. G.M.Landscaping

    G.M.Landscaping LawnSite Senior Member
    Messages: 939

    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.

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