Shut down costs related to insurance claims

I have a commercial project involving six trades on a hail damage claim. I am a general contractor in Montana and I am not sure if the shut down expense of the three businesses affected should be added to the scope of my bid? Or is the shut down costs something the insurance company handles directly with the insured?

The reason I am involved is because we have two equipment bays on the roof that have to be off loaded so we can replace the TPO. The duration of that aspect of the job will directly affect how long those three businesses will be out of operation.

Dear Mr Roofer/ arrogant dumb ass. If that was my goal I would not pose the question. The fact is my initial adjuster told me to include shut down costs into my scope. I was ambivalent about the veracity of this issue. I have never had this issue before and a friend suggested this forum. No need to show the world what a jerk you are....just add value to the conversation, but evidently your ego is to fragile for that.

As my father once told me, "better to be thought a fool than to open your mouth and remove all doubt", but now at least we know what you are :)

A roofer should have a little tougher skin than evidenced by the edited OP, but I'll at least answer the question in an effort to be somewhat helpful to a forum newbie....

I've had a lot of contracts that had shut-down clauses due to our own foo-pah's, but to include such expenses in your own bid.... I think you're getting into a scary bit of liability of your own here. Sounds like an opportunity for the owner's underwriter to come after you own policy should you shut them down longer than anticipated.

This is an issue that should be solely between the property owner and their underwriter, despite my hesitant deference to our own dearly beloved CIAK from that land where the sun shines damn near every day, who has a tad bit of experience from the adjuster's POV.

My advice, refuse to carry this liability in your proposal.

Oh - (dumb-ass me) - Now I noticed to add to the original post.

Yeah....well.....I agree w/CIAK.....I'll steer-clear.....As my father once told me..."...son, if ya swim in chit - some's bound to rubb-off on ya.....".....

Guess I missed all the fun(?)

Vaa Fakaosifolau Said: I see 6sigma has added new information to the original post and had a crack at someone (cant see who or why).

The reason I am involved is because we have two equipment bays on the roof that have to be off loaded so we can replace the TPO. The duration of that aspect of the job will directly affect how long those three businesses will be out of operation.

As often happens with generalistic type questions like this was to start with, you cant expect anything other than a generalistic answer.

OMG - Really? - WTH? - This is an example of how the insurance'"restoration' scammola BS can get out-of-control with contractors intermingling with insured & their respective carriers/adjusters.....It's none of your concern as a contractor. Plain n' simple.

They are all different. Not sure how shut down cost would be the GC problem. Residential H/O contract policy generally have an extended living expense for the owner that is displaced because of a loss to the home. Insurance company deals directly with owners on that one. B) :) :) B) Deep Down In Florida Where The Sun Shines Damn Near Every Day

What do their insurance contracts read? That would be the determining factor. They could all be different!