Page 22 - Texas811 Magazine 2017 Issue 1

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' ' l ' ' Eifvveniia Fw'Eam—;«E agent '7 — ’
. Tn-2 FL‘ll\‘I‘y tenet Jatjhsrm, Ma‘ . —
twas just a normal day. Joe and prior to the commencement of Up until now, companies covering
Contractor got a call to do some your work marked all underground excavators otten did pay utility damage
work, and called in a sub tor the property including, but not limited to, claims — the word ”excavator" itselt
trenching part. Everything was all underground lines, pipes, cables or says ”dig,” so it would be a little hard

going along just as expected when, utilities. to deny coverage tor digging.

suddenly, the sub "failed to make a . ,, . . . . , .

mm for the undetgmlmd power “neg The Leger clontitnugs, flu Edfltlselfi that Yet, it If isn twéittlen goréelitly, an

The power was knocked out forafew vwhl "0 8; 3 gag; 9,; C0" " . gjlfe . ,.
hours’ and the power Company had met five no c oice u ofa you wi ou coverage. dveal ipd tescrlp ion
to replace the “rm when the Power a ere is no coverage or ese I carries a speci c co e a e ermines

damages and we will not be handling the rate and coverages tor which the
came back on, there was a power . . ,, . . .
. this claim on your behalt. policyholder will be charged. Certain

surge and the boats at the marina had

electrical damage, and the claimants’ mvemges are e’“e7‘ded ‘h‘°“’§,h
damages ranged from a tew hundred ‘he "59 ‘if ;he Spmfil‘ °‘;|de' A d°gd f
dollars to over eight thousand dollars. §‘°"d‘“e‘ °‘:*“t‘,:‘.f S’ 3‘ “° "99 ‘.’I'
You advised our independent adjuster ““ "g”’““ .“ ‘ ‘.3’ "°."e”ge' 5°‘

. . would not be in their policy and they

that you did not have alocate ticket Id Tb h df 1

and that you had no contract with the ‘”°“ “ 9 “ “Be °“ '
subcontractor.” But, it in the interest of price, the

. contractor told his agent ”all I do

The above language is an excerpt . h h I k,, h I

from a letter from a national insurance -1 ans 5 it f‘. ;g; C9" 3: 3‘
company to a contractor denying C 99?“ ‘if; 1:}; 5% ° ft
coverage for the accident. It’snota "°.V.e”ge‘ e ' S 3“ ““ e‘3T°“"

utility — because a sheet rock installer

normal day anymore. Ioe Contractor , . .

. . doesn t dig — and there is no coverage
is facing huge losses — maybe even the . . .

. . built in for it. Proper coverage costs
loss of his business! . . . .
what it costs —]ust like your services do.

Theie is now NEW language within Don't risk everything you have to save
many policies specifically addressing a tew dollars!

coverage ONLY IF A LOCATE HAS If I d I I 1 t H
BEEN DONE. This language is direct Y“ W“ Y°“‘ “Y ° 5 “Y “°"““.' 9
from the Policy: your agent the truth about everythingh

you do, and make sure it is listed on e
Prior to commencing work policy; have a contract with your subs,
(1) You have either what's critically important is that f;:ir‘:q::f::3‘ ‘;‘f:“
, insurance companies are now I. E I f . 3 ‘ . Y

3) C°"m“ed the .“pp‘°P’.‘“‘e 1°C“ specifically allowing coverage for ‘A935,? 8 fl ‘"‘°’“":"°e "“"““3 >'°“ “S
underground locating service, or underground “mines IE and ONLY i iona nsure

by Verified that 3 local undetgmund IF, a locate has been called in, while AND

locating contact has been made by denying COVQWBE for 3 Claim if 3 ,
anofhef with man gespgngjbjlfiy; and locate has nnot been called in. It your CAl”t-£111 BEFSRE ?:g’U,DIG- 1; §’f“°‘

, I company isn’t doing it yet — trust me, it °“ Y, , 9 aw" ""°“ 9 ‘“S“"e ‘ Y“
c) The locating service has responded, Wm S0On_ don t. Q];
20 - Texasfill 2017, lssuel