A plumbing system is an integral part of most daily activities for household occupants. When repairs or maintenance is needed, it’s may be necessary to call a service provider. Finding the right one will take a bit of research. Part of this research if verifying whether a plumber has valid insurance. The following guidelines can be used for this confirmation.
To find out about a plumber’s insurance, ask the plumber for the name of his insurance agent. Call this representative at a later time to request a certificate of insurance. This document is not a copy of an insurance contract but does contain relevant information found in one. If a plumber offers to show you a copy of this certificate, politely decline. Only accept this certificate from an insurance company that is licensed by the state.
Call the insurance agent to request this document. This request can usually be done over the phone or in person. However, the insurance agent may have to get verbal or written permission from the plumber to send it. After consent is obtained, the certificate of insurance can be emailed, faxed, or picked up in person. Some insurance companies will also send this by traditional mail.
After receiving this document, pay close attention to particular parts of it. Look at the policy effective date and the policy expiration date. It’s important to know that coverage starts on the effective date and extends through the day before the policy expiration date. No work should be done unless it falls on these dates or dates in between these two dates. The certificate should also indicate the types of insurance the plumber has and the limits of the coverages. Remember that a plumber must meet state regulations regarding insurance. Hiring an uninsured Plumber in Westchester NY puts a homeowner at risk if the plumber or a member of his crew is hurt while on the job.
Confirming insurance for a Plumber in Westchester NY does not have to be a hard task. Simply obtain a certificate of insurance and make sure work falls within the guidelines of the document. For information on plumbing services, please visit the website of Cassidy Plumbing Inc. This company can handle residential and commercial plumbing services.
