Damage Claims
For ultimate protection and peace of mind, we always recommend securing or removing any valuable or personal items prior to your appointment.
In general, it's good to note that TIDY's ability to help with damage claims is limited. You must purchase damage claims coverage if you want it on your account. If you require any specific coverages, please contact us and we can work with you on quoting protection specific to your needs. Otherwise, the rest of this section covers our standard coverage available.
In general, we have found that most clients find it cheaper to insure for damage via renters insurance, homeowner’s insurance, or other similar policies. This is due to the fact that you go through underwriting one time for all of your vendors and can get the exact coverage you need. It is also very expensive for vendors to get coverage for theft claims, whereas it is typically inexpensive for owners to get such protection.
TIDY does offer the ability to purchase limited damage claims protection, designed to help for small matters. This limited damage claim protection is included in the Satisfaction Guarantee.
We are not an employer of any Pro, rather a software provider. In the rare and unlikely event a Pro causes damage during your appointment, you may file a damage claim form against the Pro who caused the damage. Complete this form to be reimbursed with TIDY Credit. Credit can be used for any future charges from us. In order for claims to be considered, damage must be reported within 72 hours of the appointment start time, a claim must be filed within 14 days of the appointment, and you must be up to date with any payments at the time the claim is processed. Any claims that do not meet these criteria will not be considered.
You can review the claim form, view the terms of completing any claims, and understand the process in your app. The damage claim is considered a dispute, and is handled in a similar manner with the pro. You are not included as a covered party on any TIDY insurance policy.
In the "Concierge" section of your app/online, you have the ability to report a "Job Issue". Then, you can select damage as the option, and file the claim on the job itself.
Pros are going to work in your home, and they will be dealing with appliances, surfaces, and furniture in a variety of conditions. Some appliances, materials, and furniture may be faulty or just in need of a little maintenance. Because of this, things will happen! TIDY’s limited damage claims coverage covers small damages by gross mistakes or negligence, not damage as a result of "normal wear and tear".
There are Home Warranty policies available if you are looking for insurance against appliance failure, which might better fit your needs.
A good rule of thumb is that if you might have reasonably caused the damage job your home, or the Pro followed your instructions and damage still occurred, it is probably not covered. If you left detailed instructions, and they didn't follow them, which caused the damage, it probably would be covered.
We do not cover the full value of premium items or surfaces. For example, if you have priceless artwork or expensive hardwood floors. We would reimburse the minimum necessary to repair or replace a functional replacement. We recommend adding specific instructions to your To-Dos protect expensive or premium items, as well as purchasing specific insurance to cover these items as appropriate.
As we don't cover premium items or surfaces, coverage will be for standard equivalents. We use several third party estimates for averages.
For example, if you need to get a stain on your carpet, the national average cost to remove the stain is $174. (Data as of Q1 2017 from http://www.homeadvisor.com/cost/job-services/clean-carpeting/#)
For example, if you needed a counter repaired, the national average is $346 (Data as of Q1 2017 from http://www.homeadvisor.com/cost/cabinets-and-countertops/repair-countertops/)