If a good portion of your business comes from the men and women working as plumbing and other artisan contractors you probably understand many of the risks and exposures associated with this unique industry. Plumbers are often called in early on new construction projects to install the pipes necessary for running hot and cold water to all the necessary fixtures and appliances.
When a serious problem arises, such as water leakage from plumbing systems that end up causing major damages resulting in a large loss, insurance adjusters are called in to ascertain the cost to repair and replace furniture, floors, walls and other affected areas. The first step is finding the source and determining the nature of the leak. Was this a result of some manipulation of valves, or perhaps a failure of the pipe system?
Construction Insurance is what these artisan contactors need to help pay the costs for the damages incurred. Investigating the cause is an integral part of the claims adjustment process since it bears on insurance coverage as well as potential subrogation. Construction defect litigation covers a wide range of important legal issues, including lawsuits regarding personal injuries and property damage arising any number of issues, including water intrusion, poor drainage, defective plumbing and much more.
Many plumbers have recently voiced their concerns that CPVC pipes, which are plastic with glued joints, tend to deteriorate over time, and will eventually start leaking. In fact, over a period of time, these plastic pipes tend to get brittle, crack and break, and the glue joints continue to deteriorate through the pipe and go bad.
The problems with CPVC pipes can range from turning off the valve located by the toilet and having it snap off in the wall, to hitting the connecting pipes with a mop or broom and having it break or crack. Some plumbing manufacturers prefer CPVC pipes, considering it a good and durable product, provided that it is installed properly.
Your clients provide an invaluable service to both new homeowners, and those who have owned their homes for years. When a defect or other problem arises due to the work that they’ve completed on a customer’s home, they’re going to need Construction Insurance to offset any damages resulting from their work.