In a recent article in the Ottawa Citizen, Mike Holmes listed all the things a person needs to look for in a good plumber. Of all his great suggestions, his number one factor in choosing the right plumber wasn’t technical proficiency, work history, or professionalism. It was insurance. If this is coming from the likes of Mike Holmes, then those looking to hire contractors should sit up and take notice. Many people think that insurance doesn’t affect them, but everyone would rather get in a car with someone who has insurance than without. In fact, many people would simply refuse to drive around in an uninsured vehicle, but they’ll entrust their home to uninsured plumbers. But a plumber without insurance is saying only one thing to you: I don’t care. So why should you care about plumbing contractor insurance? Because you care about your home and the safety of your home and family.
Mistakes Happen To The Best Of Us
Just like drivers, even the best plumbers can have accidents or make mistakes and, when that happens, insurance can help protect you and your plumber from financial inconveniences, to put them mildly. Plumbing insurance is there for you and your plumber. After all, you have car insurance to keep you protected but to also make sure the people involved in any accident aren’t left completely ruined for the rest of their lives. Insurance also keeps you out of the courtroom, a long and arduous experience. If something goes wrong with your plumbing job, insurance will do the heavy lifting for you and you can get back to enjoying your life as quickly and seamlessly as possible.
How Much Is Enough?
The amount of insurance can also be an important factor. Mike Holmes writes “the pros I work with carry $5 million” in his suggestion, noting that most carry $2 million in insurance. A higher amount is a good idea for bigger jobs like a plumbing overhaul or large, invasive renovations, but can also be great for smaller jobs too. We’ve all experienced or heard stories about small plumbing jobs going wrong very quickly, mostly because water can do serious damage to a home. Insurance that’s more comprehensive means you’re dealing with a plumber who knows the work he does is important and intricate.
Insurance Shows Respect
But the bottom line when it comes to insurance is this: a plumber who cares about their work, their clients, and their own business will have insurance. It isn’t a sign of weakness, it’s a sign of respect. When looking for a downtown plumbers, always make sure they’re covered. You will likely never have to use the insurance your plumber has, them simply buying it puts them in a category above many others, but it’s there just in case. So why should you care? Because your home is important and you want the best work you can get.