INSURANCE REFERRAL
WHEN A PLUMBING JOB BECOMES AN INSURANCE CLAIM, PRO INSURANCE CLAIMS CAN ASSIST WITH PAPERWORK THROUGH ITS REFERRAL PARTNER PROGRAMME, EXPLAINS DIRECTOR NIALL DALY… What every plumber should know
A burst pipe may be a €300 plumbing repair. However, the resulting insurance claim could run into tens of thousands of euros. For the plumber called to the property first, understanding what happens next can be almost as important as fixing the leak. The plumber’s actions in the first few hours can help prevent further damage, provide useful information for the insurance claim and protect both the customer and the plumber. Stop the leak - and document what you find The first priority is, of course, to stop the source of the water and make the property safe. However, once the immediate emergency has been dealt with, it is worth taking a few minutes to document what you have found. A written service report can be extremely useful. It should record: • When you were contacted • When you attended the property • Where the leak was located • What caused the leak, if this can reasonably be established • What emergency work you carried out • What areas of the property appeared to have been affected • Any recommendations for further work or investigation A copy of the report should be provided to the customer. Photographs can also provide valuable evidence of both the cause and the resulting damage. Protecting yourself Good documentation isn’t just about helping the customer’s insurance claim. It also protects you. A clear record establishes what you were asked to do, what you found when you arrived, what work you carried out and what advice you gave. Rather than relying solely on a
Support for our plumbing partners At Pro Insurance Claims, we recognise that preparing detailed reports for insurance purposes can take valuable time away from running your business. That’s why plumbers who join our Referral Partner Programme can receive assistance with their plumbers’ reports free of charge. If you’re a plumbing or heating contractor and would like to find out more about becoming a Pro Insurance Claims Referral Partner, get in touch with the team.
disclaimer, plumbers should make sure their terms of engagement and service documentation clearly set out the scope of the work undertaken and any limitations that apply. Where there is uncertainty about potential liability, appropriate professional or legal advice should be obtained. A simple insurance-claim checklist for plumbers: 1. Stop - stop the source and make the property safe 2. Photograph - photograph the source, failed components and visible damage 3. Record - document when you attended, what you found and what you did 4. Measure - where appropriate, record moisture readings and the areas tested 5 Retain - where practical and appropriate, retain failed components 6 Report - give the customer a written report of your attendance and work 7 Refer - where significant property damage has occurred, advise the customer to contact their insurer and follow the appropriate claims process
“Plumbers who join our Referral Partner Programme can receive assistance with their plumbers’ reports free of charge.”
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