Your plumbing system is a complex network of pipes, fittings, drains, valves, and other hardware. This hardware is often connected to plumbing fixtures to safely deliver water for drinking, eating, cooking, cleaning, and bathing. Even when a plumber uses precautions, there are risks when working on plumbing. For this reason, it’s imperative to only hire a Plumbing Contractor in Lebanon NJ who has an adequate level of insurance. Use the following steps for verifying this coverage.
Prior to hiring a Plumbing Contractor in Lebanon NJ, you will need to perform an interview. During this meeting, politely ask the plumber for the name of his insurance agent. Tell the plumber you need to directly verify his insurance coverage through his insurance agent. If the plumber offers to show you proof, politely decline. Only accept proof of insurance from an insurance agent to safeguard against fraud.
After you interview the plumber, call his insurance agent to request a certificate of insurance. This document is not a copy of an insurance contract. However, it includes details contained in an active insurance contract. While this request can usually be done over the phone, the insurance representative may have to get oral or written permission from the plumber. After getting proper consent, you will be mailed or faxed this document.
Pay close attention to key parts of the certificate of insurance. It should be completely and accurately filled out. The “producer” is the full name of the insurance company. The “insured” is the plumber. His full business name or trade name he works under should be in this spot. Your full name should be under “certificate holder.” Ensure that no work is done on your home unless it falls on the policy effective policy date, the day before the expiration date, or a date in between these two days. In addition, view the types of insurance indicated along with the limits of coverage. A plumber should carry workers’ compensation if he has employees and general liability.
Confirming that a plumber meets the legal insurance requirements to perform work in a residence is essential to protect your financial interests. For more information on plumbing services, please Visit the Website of Schaible’s Plumbing & Heating, Inc. This company can handle many services including plumbing, heating, radiant heat, and air conditioning.
