When booking your appliance repair service, asking about liability insurance may not first come to mind. But with the nature of our job, it is an important aspect to consider if you are in between hiring two different companies. Expert appliance repair companies will pay for liability insurance so that if a problem does arise, both the company and the customer is financially protected. Without it, we’ve heard of customers getting the run-around and waiting months for damage repair caused by non-insured technicians. We have even heard of customers having to pay for the property repairs themselves due to hidden wording in contracts.
What does liability insurance cover?
Liability insurance covers any damage accidentally caused to your home or your appliance by an appliance repair technician. Accidents rarely happen, but when you’re working with expensive appliances that connect to electricity, gas and water lines and sit upon nice hardwood floors, liability insurance is added protection in case damage does occur. Scratched floors, water spills and (a worst-case scenario) a fire can cause thousands of dollars worth of damage to your home. Trust an expert backed with liability insurance to know that any repairs will be compensated promptly.
What if a company doesn’t have liability insurance?
Most sole proprietor, independent repair providers do not have appropriate insurance to cover the damages they create. While the technician is at fault for the damage, there is no guarantee that it will be repaid timely or to your satisfaction. If your technician works out of their garage, with no brick-and-mortar storefront, customers can have a tougher time getting their home repairs taken care of. And to save money, some of these providers may even place some of this liability back on the homeowner in their fine print.
At Westside, we have a commercial liability insurance policy that covers any extensive damage that one of our technicians may unintentionally create. With our technicians having an average of 16 years of experience, we are the most experienced appliance repair company in the Des Moines metro. To book your repair, give us a call at 515-276-8899, text us at 515-203-2787, or schedule your appointment online.
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