Update on MAID Service Claim HELP!!!

[Guest]

Re: Help With Maid Service Insurance !

Bottom line is the maid company is responsible. Why are you upset at your insurance company?

Because people think/expect insurance companies to pay for EVERYTHING.....well, you know how a client talks, I pay them every month and now they dont want to pay me......blah blah blah.....

I have, in my entire career, only had 1 person call me and ask me questions about the policy, because they actually read the policy!

 

[tbone138]

Re: Help With Maid Service Insurance !

I don't want to deal with the maid service because they have no money. They will just bankrupt their company and start a new one. The only way my floors are getting fixed is either by there insurance company or my own.....

 

[tbone138]

OK, on your advice I have left Allstate (my insurance company) alone. I understand what you guys are saying and agree. I was just hoping they would help me out with this. I obtained a copy of the Maid services Commercial liability policy and it has an endorsement that states:

We will pay those sums which you become legally obligated to pay for "property damage" caused directly by immediate, abrupt and accidental

a. Upset, overturn or collision of your "mobile equipment" while transporting; or

b. "Overspray" during your application or dispersal of "pollutants" which are intended for and normally used in your operations. The operations must be in compliance with local, state, and federal ordinaces and laws.


I have a voice recording of the company owner indicating that they use a "spray" to clean the floors. In my opinion, he should be covered because the spray caused immediate and abrupt damage to my floor. One would have to assume that a professional cleaning service would never spray so much cleaner on engineered floors to damage them so the "overspray" would have to be considered accidental. Am I reaching here or does this make sense? The pollutant in this case is the cleaning solution that they sprayed down. Thanks for any input!

 

[Norwayguy]

OK, on your advice I have left Allstate (my insurance company) alone. I understand what you guys are saying and agree. I was just hoping they would help me out with this. I obtained a copy of the Maid services Commercial liability policy and it has an endorsement that states:

We will pay those sums which you become legally obligated to pay for "property damage" caused directly by immediate, abrupt and accidental

a. Upset, overturn or collision of your "mobile equipment" while transporting; or

b. "Overspray" during your application or dispersal of "pollutants" which are intended for and normally used in your operations. The operations must be in compliance with local, state, and federal ordinaces and laws.


I have a voice recording of the company owner indicating that they use a "spray" to clean the floors. In my opinion, he should be covered because the spray caused immediate and abrupt damage to my floor. One would have to assume that a professional cleaning service would never spray so much cleaner on engineered floors to damage them so the "overspray" would have to be considered accidental. Am I reaching here or does this make sense? The pollutant in this case is the cleaning solution that they sprayed down. Thanks for any input!

Why would you care if he is covered or not...According to you he is responsible, responsibility doesn't end when you are not covered by insurance.

 

[Norwayguy]

Re: Help With Maid Service Insurance !

I don't want to deal with the maid service because they have no money. They will just bankrupt their company and start a new one. The only way my floors are getting fixed is either by there insurance company or my own.....

Well its not going to be your own. I know you posted another thread with some policy info from the maid service have you filed a claim with thier carrier?

 

[tbone138]

Why would you care if he is covered or not...According to you he is responsible, responsibility doesn't end when you are not covered by insurance.

He's got no money. Don't wanna waste mine chasing nothing.

 

[Norwayguy]

He's got no money. Don't wanna waste mine chasing nothing.

I understand...It sucks.

 

[djs]

Wrong use of the term 'overspray'.
Overspray is something like you are spray painting a house and the paint ends up on a car. It probably is not the fact I squirted the bottle an extra time or 2.

Also, insurance policy statements almost always require context. What section of the policy was this in? What type of policy is it? Are there other conditions involved prior to this statement being true?

Your choice is to hire an attorney or simply let the maid service deal with it. I forget how much this is, perhaps the company can't deal with it in a lump sum, maybe there is a way to make it work though.

Bottom line, don't solve someone elses problem. Let them solve it.

Dan

 

[Sales71]

He's got no money. Don't wanna waste mine chasing nothing.

Well that closes the case no money..no honey. I guess you just have to take the loss and next time get a real floor that can take a few drops of water.

 

[gebins]

Just sue the maid company. They will pay.