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Do you refuse to go into houses?

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  1. #1
    Mick started this thread.
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    Do you refuse to go into houses?

    I don't usually go into houses for scrap due to potential for liability. I ALMOST broke this "rule" today:

    I got a call yesterday wanting me to pick up a dryer at her mother's; then go to this lady's house next door and pick up a gas stove from her shed. Explained to her that I don't go in houses and am not bonded. She'd seen my picture on my web site and "knew" she could trust me. The dryer was "just inside her mother's front door and would be easy to get". I get to the mother's house. The first thing she asks is if I have a dolly ("no"). She gets worried about marking up the floor. She decides we can set it on a rug and slide along the floor. Then I find the dryer is really in a laundry room down a short hallway from the front door. Then she says we'll have to take off the folding door to the laundry room so it'll fit. I'd been talking about how I wouldn't accept liability for any damage all along but now I tell her I will pick it up from outside - I won't be responsible for any damage - she has two tight doorways, new linoleum in the laundry room and fancy, highly polished wood flooring in the hallway and entryway. She said she understood and had someone who'd get it outside for her. She'll email me and I can pick it up from the outside stairway. I still got the daughter's stuff and didn't seem like there were any hard feelings.

    Anybody else who won't go in houses? Think about the potential; even going downstairs for a water heater, furnace etc. Like I told the daughter - When I'm standing in front of the judge, I want to say "Your Honor, I didn't even go IN that house."

    People may laugh at me, but that's ok. I laugh all the way to the bank.

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  3. #2
    Mick started this thread.
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    My take on Releases of Liability is that they're not worth the paper they're written on - even when drawn up by a lawyer. We went through that in the snowplowing industry and the consensus was (INCLUDING a lawyer) was that any lawyer could get a Release thrown out on a charge of Negligence. Basically, the damage itself is evidence of potential for negligence.

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    I have gone into quite a few houses and have yet to have an issue. I have an appliance dolly with the straps, and make sure it is extra tight so the appliance does not slip. Have not had an issue yet, but a couple of times I let the folks know I could try but since it is such a tight fit (even with taking the refrigerator doors off) something could get scratched. They said they just want it out of their house and they just asked that I be as careful as possible. Knock on wood, so far no scratches. One of those times even though I told them no charge they gave me $20 for fuel as they said they could tell I was being as careful as I could and they appreciated it.

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    thanks for bringing this up Mick. You guys also have the risk of crazy women attacking you and crying rape and I have the risk of being attacked or worse. I agree, it's better not to in.

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    My personal policy is I will not go into a home.

    It needs to be outside, or at least to the garage.

    Scratching or breaking something isn't worth the 5 to 20 bucks I'd get for whatever item I am hauling away.

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    for me its a financial decision. If it's small and valuable - yes, big and not worth much money - no.

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    It depends on what the item is. I carry liability insurance, it doesn't cost much a year and its good to cover your ass. If the item is in somebodies house I charge a removal fee, I offer free removal for curbside pickups only. Usually people don't give me a hard time about the fee, and the money I get goes into my account for the next insurance payment. I'm not like a lot on Craigslist or on this forum for that matter. I only offer free pickup for items in my zip code, everywhere else I charge a fuel surcharge and if there is extra work involved in removing the item I charge for my time. I rarely have problems with people not willing to pay. Most are happy getting rid of their items.


    P.S. I have not had to use the insurance in the 15 years that I have been scrapping.

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    I would recommend anyone carry liability insurance. If you're in a wreck and someone finds out you're a scrapper or other commercial entity and carrying just personal auto insurance it's your checking account that will take the hit.

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    that's a good suggestion no matter what biz you're in

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    My insurance agent scared the crap out of me. He showed me a file he kept from an old customer who had something fall out the back of his truck, took out a cars windshield ended up causing a 5 car pile up. If he hadn't had liability insurance, and a commercial policy on his truck, that would have cost him upwards of $150,000. Well worth the extra 500 a year I pay.

  14. #11
    Mick started this thread.
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    I carry commercial auto insurance on my truck, BUT no General Liability for scrap metal, junking or whatever you want to call it. I asked my insurance agent for a policy change from plowing snow (which is high risk, itself) to scrap metal. She checked and the only insurance available is the same as for the big scrap metal yards. I'd gladly pay $500 - plowing snow was over $800/yr.

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    Interesting. I've gone in houses before but I don't think I'd remove and rehang a door for a dryer - it's just not worth that much.

    I worry about accidents everytime I haul a load. I secure it well and try to stay off high traffic streets but people are so stupid they will expect you to manuver like you're driving a Ferrari and pull out in front of you and stuff. I take it slow and try to watch out for other guys but all I carry is my liability insurance.

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    Ive gone into peoples homes and unhooked and removed appliances. I have also had to take doors off the hinges to get them out. I have had to dismantle furnaces and take them up thru houses piece by piece. Now if I was only getting the appliances for my time I would say no go that's why I will charge a fee for my time, usually $20 for the first hour and $10 for every hour after. Believe it or not, people are willing to pay the money just to get the items out of their house.

    One time I had to take apart a cast iron coal stove in a basement, take it up thru the house to my truck. It took me 5 hours to complete the work. I charged the person $60 for the work and I got another $75 at the scrap yard for the cast. So for 5 hours work, I made $135 for 5 hours of work. The reason it took so long was because I was being careful not to damage anything, and the client was appreciative for it.

    You need to think of this as a service and business, your out there to make money. Taking items for free is all fine and dandy, but sometimes its not worth the money unless you get a little more out of the client. If they give me the line that they are giving me the appliance for my time, then I tell them to put it out by the curb and I will come and get it at no charge. If they say no, then I leave the item where it sits and go onto another client. Time is money, and if I'm not going to make any money then its not worth my time.

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    Quote Originally Posted by CMHN View Post
    One time I had to take apart a cast iron coal stove in a basement
    I did one of those once. I charged $100 to take it out, got about $50 for the cast and sold the auger for $25 in my antique store. I burned the leftover coal in the fireplace by mixing it with the wood. Tough work though as I couldn't quite stand up under the house.


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