By Liberty Union Insurance Group, Inc. · Updated
What happened
During a residential painting job, masking paper and tape with dried paint were left on an exterior security light. When the light came on that night, the material ignited. The resulting fire destroyed the house.
This account was provided by the agency owner. Identifying details are withheld to protect privacy. No claim payment, settlement amount or coverage determination is represented here.
Why it matters
Daily cleanup is part of managing the risk. Remove masking materials and debris, check around heat sources and lighting, and inspect the work area before leaving.
From an insurance standpoint, damage caused during work and damage discovered after work ends can raise different questions. Discuss the actual residential operations, applicable exclusions, limits and completed-operations protection with your agent.
When subcontractors are involved
This incident is not presented as a subcontractor claim. But if you hire others to perform similar work, review their insurance and your own policy before the job begins.
Read the subcontractor guide ↗