This is why you better have insurance....

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

  1. 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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  2. Mark Oomkes

    Mark Oomkes LawnSite Fanatic
    Messages: 15,128

    Wiped out a $1500 plate glass window early this year. Paying that one out of pocket as well.

    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.
  3. RLS 2010

    RLS 2010 LawnSite Member
    Messages: 97

    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.

    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.

    THEGOLDPRO LawnSite Fanatic
    Messages: 5,222

    Ill have to think about it, i can still submit it to insurance.
  5. jbell36

    jbell36 LawnSite Bronze Member
    from KANSAS
    Messages: 1,405

    ****, my company hit 7 or 8 pieces of glass last year...we only claimed the most expensive ones because it still added 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
  6. 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 was quite comical
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  7. Pressedun

    Pressedun LawnSite Fanatic
    Messages: 43,469

    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.
  8. PlantscapeSolutions

    PlantscapeSolutions LawnSite Gold Member
    Messages: 3,009

    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.
  9. pjlandscapes

    pjlandscapes LawnSite Member
    from CT
    Messages: 48

    If you don't mind me asking what was the glass company that you used?
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    THEGOLDPRO LawnSite Fanatic
    Messages: 5,222

    Heritage glass.

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