{"id":16854,"date":"2021-06-01T19:37:38","date_gmt":"2021-06-01T09:37:38","guid":{"rendered":"https:\/\/professionalpestmanager.com\/?p=16854"},"modified":"2022-11-08T17:52:32","modified_gmt":"2022-11-08T07:52:32","slug":"three-examples-of-real-life-insurance-claims","status":"publish","type":"post","link":"https:\/\/professionalpestmanager.com\/nz\/running-a-pest-control-business\/insurance\/three-examples-of-real-life-insurance-claims\/","title":{"rendered":"THREE EXAMPLES OF REAL LIFE INSURANCE CLAIMS"},"content":{"rendered":"

Ryan<\/strong>\u00a0Sandilands,<\/strong> Claims Manager at Wymark Insurance Brokers<\/a>, shares three instances of claims made against pest managers who made errors while on the job.\u00a0<\/em><\/p>\n

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Dealing with hazardous substances is part of a pest manager\u2019s everyday work. Get it wrong, and even the most straightforward treatments can have potentially serious consequences. In each of the real-life cases outlined here, the pest manager\u2019s liability could not be easily defended.<\/p>\n

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Allegation 1:<\/strong><\/p>\n<\/div>\n<\/div>\n<\/td>\n

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Pest manager fumigated four dwellings only to discover the incorrect product was used. The product label was virtually identical to the label of the product that should have been used. The treatment left an oily residue that stained surfaces (especially carpets) and was a genuine slip hazard necessitating immediate removal and restoration. It also led to alternate accommodation being required.<\/p>\n<\/div>\n<\/div>\n<\/td>\n<\/tr>\n

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Amount Originally Claimed:<\/strong><\/p>\n<\/div>\n<\/div>\n<\/td>\n

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$40,000<\/p>\n<\/div>\n<\/div>\n<\/td>\n<\/tr>\n

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Final Amount Settled:<\/strong><\/p>\n<\/div>\n<\/div>\n<\/td>\n

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TBA \u2013 we are in the process of assessing this claim<\/p>\n<\/div>\n<\/div>\n<\/td>\n<\/tr>\n

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Third Party Cost i.e. Lawyers\/Experts:<\/strong><\/p>\n<\/div>\n<\/div>\n<\/td>\n

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Loss adjuster fee<\/p>\n<\/div>\n<\/div>\n<\/td>\n<\/tr>\n

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Recommendation:<\/strong><\/p>\n<\/div>\n<\/div>\n<\/td>\n

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No defence to the pest manager\u2019s liability and little chance of deflecting the claim to the manufacturer\/supplier. When ordering the product, the pest manager did this over the telephone. Further to this issue, the pest manager stated \u201cplease supply me the same product as last time\u201d rather than naming the particular product. Further again, the supplier invoiced for the product they supplied, therefore it matched the product, as opposed to the product the pest manager intended to procure.<\/p>\n<\/div>\n<\/div>\n<\/td>\n<\/tr>\n

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Lessons<\/strong><\/p>\n<\/div>\n<\/div>\n<\/td>\n

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