Protect your business and your client’s property

By The Catch-All. 

Learn why The Catch-All is such a valuable tool to have on the jobsite with you. 

Many homeowner and commercial properties’ insurance policies have what are called a mitigation clause. This clause requires the insured to take reasonable steps to protect their property from damages. An example of this is tarping a roof if a storm has caused damage. This is a reasonable way to mitigate as much of the water damage as possible, lowering the amount and cost of damages. When it comes to roofing, supplementing with The Catch-All in your claim can be incredibly helpful when working with insurance policies. 

The Catch-All shields the property it is used on from additional damage during roof replacements and repairs. Without protection, debris like shingles and building materials can damage shrubs, flowers or other landscaping, siding, stucco or even cause scratches to expensive equipment like air conditioner units. Contractors and homeowners alike could find themselves liable if proper care isn’t taken to avoid such damage. 

Let’s look at a worst-case scenario. A nail falls into an A/C unit, and it is damaged beyond repair. If the property isn’t protected, that would be considered negligence — and if you’ve ever replaced an HVAC unit, it’s a nightmare. It’s the contractor’s duty to use a reasonable degree of care to avoid causing damage during the job. Neglecting this responsibility isn’t just careless — it can be a breach of contract according to most insurance policies. 

That’s why The Catch-All is a valuable compliance tool for both contractors and the insured. It enables homeowners to meet their obligations under the mitigation clause and it allows contractors to work professionally without risking liability for damages. 

We’ve heard from some of you that think it’s impossible to get The Catch-All covered in a claim, but we’ve heard from even more saying you’ve had success. Overall, it’s important to try supplementing it. In Level the Playingfield, a popular Facebook group for roofers, emphasizes the importance of using tools like The Catch-All to protect both the property and the contractor’s business. If you’ve ever had questions about supplementing or how insurance and contracting intersect, we encourage you to reach out to them or join their group for free! You can also visit them at leveltheplayingfield.us to download a free copy of their book, Level the Playingfield. 

Original article and photo source: The Catch All