I swear, it’s like they’re making it up as they go.
- Been there. One inspector says “too much,” next one says “not enough.”
- Feels like a moving target.
- I just document everything—photos, emails, the works.
- At this point, I just ask for written guidelines. If they can’t give specifics, I push back.
- Honestly, half the time it’s just them covering themselves, not about actual safety.
Feels like a moving target.
That’s the truth. I’ve had three projects in the same county, and each inspector wanted something different. Ever tried getting a straight answer on who’s liable when a sub messes up? Insurance policies overlap, but nobody wants to claim responsibility. I keep everything in writing, but even then, it’s a headache. Anyone actually had an insurer step up without a fight?
Builder Insurance—Ever Wondered Who Covers the Mishaps?
Insurance policies overlap, but nobody wants to claim responsibility.
That’s the nail on the head. I’ve had projects where the GC and sub both pointed fingers, and the insurer just sat back waiting for someone else to blink first. My best advice: document every step, clarify scopes in contracts, and don’t be afraid to push for clarity—even if it feels like herding cats. It’s frustrating, but you’re not alone in the struggle.
Honestly, the finger-pointing drives me nuts too. I’ve found that the only way to keep things straight is to map out who’s responsible for what before anyone swings a hammer. I literally make a chart—GC, sub, owner, insurer—and list out scenarios. It’s tedious, but when something goes sideways (and it always does), at least you’ve got a paper trail. Funny how fast people remember their responsibilities when it’s in writing...
Funny how fast people remember their responsibilities when it’s in writing...
Couldn’t agree more about the value of a paper trail. I’ve learned the hard way that even when you think everyone’s on the same page, things get murky once money or repairs are involved. I actually include insurance certs and coverage details in my contracts now—tedious, yeah, but it’s saved me from footing bills I shouldn’t have. It’s not just about trust, it’s about clarity.
