Over the July 4th weekend my jobsite was broken into and 3 major tools were stolen; my compressor, my nailgun, and my contractors compressor. I’m an owner/builder working on my own apartments. My compressor will be covered by a credit card buyers protection plan, but not the other two items. Who pays for the contractor’s stolen compressor? We are, unfortunately, not working with a written contract.
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Assuming your contractor is there working with you, he is. His insurance should cover the loss. It is unfortunate that a thug would steal tools to begin with, but most contractors have insurance for just such a thing.
Can't I go 1 day without spilling my coffee?
Depends on what his policy says. Mine does not cover tools left on an unsecure job site. Won't cover my tools if left in my truck parked on a public street overnight. i could upgrade to better coverage, but the extra $$ are not worth it to me. I do purchase good builders risk insurance for each job I do, based on thecost of the job. I am only a part time remodelers, so I select my coverage based on my needs and city/county/state requirements.
Dave
I'm confused. Its your job, your apartments, but your not working with a written contract? I don't usually write contracts when working for myself although it would be nice to bind myself to a completion date.
If you didn't have your tools covered yourself, there will probably be alot of duck and run.
Tom
We had a series of break-ins and we had no coverage, so we got our tools covered. This can be dicey though because you need to weigh the cost benefit when filing a claim. Your rates could skyrocket just to cover a $300 nail gun. Not worth it. It would be worth it for a whole gangbox worth of tools
As for your contractor or anyone working for you, the way we worked it was that it was each persons decision to take or leave their tools at night, so it is each persons responsibility to protect themselves, except for the tools that could not be taken each night. Those we covered.
I'm confused.
Why would U pay for someone else's tools?
Luckily, I've yet to have anything big walk off...but I carry my own ins. that has a tool theft rider.....I wouldn't even think of asking any GC I worked for about my stolen tools.
Are there situations where that would happen? The GC being held responsible for a job site theft? Assuming the place was supposed to locked tight....and actually was.
Guess I'm lucky to not know.....yet.
Jeff
Buck Construction Pittsburgh,PA
Fine Carpentery.....While U Waite