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标题: House insurance company will sue me? [打印本页]

作者: eddie 时间: 2010-5-7 15:26
标题: House insurance company will sue me?
I help to fix the fridge water problem,

I finished at 12:30, everything is ok

the people phone me at 8:00 pm said water leaking, nearly all the new wood floor damaged, now he is contacting the house insurance company to pay him the damages/

Do you think the house insurance company will after me to pay back later?

Please help to answer!!

Thank you so much!!!!

作者: montrealpost 时间: 2010-5-7 15:53
Are u renting? Have u bought any insurance?

作者: eddie 时间: 2010-5-7 15:58
I get paid to fix other guys fridge

he has house insurance

作者: montrealpost 时间: 2010-5-7 16:03
Did he pay u cash, or do u have company and gave him a bill with all tax #?

作者: montrealpost 时间: 2010-5-7 16:09
Theoretically, he is supposed to call his house insurance. Home insurance works similar to car insurance, ~"no fault".

If u have company, u're supposed to have bought business insurance, then he may choose to claim your insurance. (Not to affect his home insurance policy)

For example, person A live above Person B, person A leak water downstairs to B. B was supposed to call B's own insurance to get things fixed, $0 deductable as it's not B's fault. B cannot claim from A's home insurance, as it ~no fault. However, alternatively, B could take A to small claim court to sue for all damages without affecting B's home policy.

If u got cash payment, I don't think u have to worry about anything.

If I'm wrong, PLEASE correct me!

Post by eddie;2562980
. . . . he has house insurance

作者: eddie 时间: 2010-5-7 16:24
Actually, Thank you so much for your answer.

I got paid by cash, his house insurance company phoned me to get the detail information. I told them what happened.

I am self-employ, not register any company and get no insurance.

I just worried after the insurance company paid his damages, they will after me.

Actually, after I get phoned I fixed the fridge problem.

But he phoned me 8 hours after the work done. so the damages is worse.
If I was informed earlier, shouldn't have this big damages.

Are you sure if I get paid cash and have no company no insurance, they will not after me?

Thank you so much for your kindly answer!!!

作者: montrealpost 时间: 2010-5-7 16:44
If there is no taxes(GST+QST) charged, it is only cash deal.  (not really leg . . .  u understand)  [color="Red"]I don't think u need to worry!

I don't completely understand insurance, hopefully someone know will add information here.  有谁知道？

(Else, I'll call my insurance woman for u next week for u to sleep better.)  Nice weekend!

作者: eddie 时间: 2010-5-7 16:58
NO GST QST related. just cash payment and no receipt give to him

Thank you so much and you too have a great weekend!

作者: montrealpost 时间: 2010-5-15 14:06
已问！我的保险代理人不想说什么，只说她不知道。（这不是她的工作）祝好运！

另外提醒大家：尽量雇用有 license 与有保险的人/公司做修理，+不要忘记为自己的家购买保险。

作者: eddie 时间: 2010-5-19 13:28
thank you so much!!

作者: eddie 时间: 2010-8-12 08:52
标题: urgent help needed!!!
Hi Could you please help me?

his insurance company send me a letter, insurance company paid him $11000.00, now they hope I can issue the same amount check to the insurance company.

I am totally upset.

I need help!!!!!!!

作者: piperrat 时间: 2010-8-12 09:56
先问问自己的Condo管理公司，Condo费含的保险一般不保个人财产，你难道没买private property (with liability)保险吗？一个月二、三十块钱保费而已，天知道哪天有个意外，不管是自己还是邻居的财产损失都包赔的。

作者: FUJJJ 时间: 2010-8-12 10:03
说得对，要买家里的财产保险。

Post by piperrat;2652565
先问问自己的Condo管理公司，Condo费含的保险一般不保个人财产，你难道没买private property (with liability)保险吗？一个月二、三十块钱保费而已，天知道哪天有个意外，不管是自己还是邻居的财产损失都包赔的。

作者: eddie 时间: 2010-8-12 10:37
My stroy is :

I installed a fridge for Mr.A, received $50.00 cash

I didn't registere any company and not gave receipt to him. no GST and QST involved.

I finished the job at 12:30, and everything is ok at that time. 8 hours late, Mr. A phoned me that water came out from his home wood floor from 2:00 pm, I told him to close the wax immidiately. when I arrived his home, the wax still not closed tightly.

now his insurance company let me pay $11000.00 for the wood floor damage.

What should I do now? I should pay or not?

Even if I should pay, I don't think I should take the full responsibility. because Mr.A not let me know the water leaking at the first time. He phoned me 8 hours later.

Please help me!!!!!

作者: tomandjerry 时间: 2010-8-12 11:06

Post by eddie;2652610
My stroy is :
I installed a fridge for Mr.A, received $50.00 cash

很同情你，这50刀不是那么好挣的。
除非能界定是Mr.A的责任，否则就是你这个无牌plumber的责任了，换我也会把责任全归到你身上。如果Mr.A没买财产险，Mr.A就得自己全掏。就算买了财产险，来年财产险的保费猛涨，羊毛出在羊身上，Mr.A还是会找你这个无牌plumber承担责任。
反正都是现金往来，你们也没收据什么的。死猪不怕开水烫，大家各说各话，你不承认是你自己安装的对方又能奈你几何，大不了你就说是朋友帮忙，只是从旁边指导了一下而已。坦率地讲，Mr.A省钱找你这个无牌plumber就潜在的承担了风险。除非对方有证据，我个人认为你无论如何都不能承认是自己的责任，至少不能全部承认。如果能私下调解，那就是最好的结局了。

作者: munchen 时间: 2010-8-12 12:34
im sorry but why the "plumber" was needed to install a fridge??? I don't see any relationship with the refrigirator and the water!:confused:

作者: ch_1001 时间: 2010-8-12 12:41
标题: im also confused ...
????

作者: eddie 时间: 2010-8-12 13:50
You can have cold water directly from the fridge, that is why when install the fridge, you have to install the water pipe too.

because the water pipe has strong pressure, so if sth wrong, the water leak from the joint and through under the wood floor to cause the damage, but if find the reason asap, definitly can avoid the damage.

作者: montrealpost 时间: 2010-8-12 14:01
标题: 非常抱歉！
我不知道，很抱歉！
但愿有人会在这里帮助。有人吗？

否则，尝试找找 Peterpan, 问他你应该去哪里问。

peterpan1668@gmail.com @ http://sinoquebec.com/bbs/showthread.php?t=707339
Best of luck!

作者: eddie 时间: 2010-8-12 15:12
Thank you very much anyways!!!!!

作者: lovelytito 时间: 2010-8-19 13:55
The fridge that makes ice needs plumber job.

Post by munchen;2652725
im sorry but why the "plumber" was needed to install a fridge??? I don't see any relationship with the refrigirator and the water!:confused:

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