Insurance might be something that sounds extremely boring; however, it’s extremely important and, in terms of the cleaning industry, should never, ever be ignored.
Take a moment to imagine someone cleaning your carpets or your furniture. After the job is finished, you think they actually did pretty well; however, not long after, you start to notice a tear in your sofa’s fabric or your carpet has started to shrink a bit. These are both scenarios that actually could happen. You then get in touch with the cleaner and explain the situation to them. As a result, they come back to your home and take a closer look at everything, determining that there is, in fact, an issue. They say that they will contact their insurance company to have something done about it, especially since they have liability insurance.
Problem solved, right? Well, a few days later, they contact you and let you know that their insurance company is refusing to pay on a claim such as this! This is because of the fact that nearly all liability insurance plans only cover the property for damage caused and not for any items that are being cleaned. This is now leading you to determine exactly what you should do next.
Your first hope could be that the cleaning company would pay for the damage themselves out of pocket; however, this is something that would truly be a long shot. As a result, this could leave you with an extremely large bill to pay. Unfortunately, this is something that tend to happen all too often due to both carpet cleaning companies and individuals having either subpar insurance or absolutely no insurance whatsoever.
The first thing that you should do before any work is performed is to obtain a quote from the person who will be doing the work. This will give you a chance to take a look at other various aspects of the business itself, such as training, equipment, and other customer feedback.
Once you obtain your quote, ask them to show you their insurance policy, which they are required to show you. Generally, carpet cleaning companies must have what’s referred to as a double insurance policy, which combines both liability and treatments risk coverage. It’s important to note that only the treatments risk coverage protects any items that become damaged during the cleaning process.
Any reputable carpet cleaning company like http://questclean.ca is legally liable to cover you while they are working in your home; however, keep in mind that if they are working with only liability insurance, most of these types of policies do not include claims that are cleaning-related in the event that items are damaged during this process.
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