It's all dead, all of it.

[Sebastiancrab]

How on earth would i prove that he did it? He is licensed and bonded but still...

If he was working near or right next to it and you know you didn't do it, I would file a claim. They will make you fill out a statement regarding what happened and you will have to provide some sort of documentation to support your $ loss. It is accidental property damage. He should have coverage if he is licensed and bonded.

If you do, I would love to know how things work out.

 

[tehmadreefer]

Insurance won’t cover a fish tank and without video can’t prove anything unfortunately. You can always try but don’t be surprised if nothing gets recouped.

 

[Sebastiancrab]

Insurance won’t cover a fish tank and without video can’t prove anything unfortunately. You can always try but don’t be surprised if nothing gets recouped.

Do you mean coverage for a contractor or your own homeowners?

 

[tehmadreefer]

Do you mean coverage for a contractor or your own homeowners?

Both actually. Very few homeowners cover Fish tanks. Have to call ask ask if they will cover them or damage caused by say a flood.

 

[Sebastiancrab]

Both actually. Very few homeowners cover Fish tanks. Have to call ask ask if they will cover them or damage caused by say a flood.

It probably requires a rider for the actual tank and your things in it. Water damage would be covered by a fish tank I would think. Will be interesting to see what the contractor's coverage includes.

 

[LRT]

Insurance won’t cover a fish tank and without video can’t prove anything unfortunately. You can always try but don’t be surprised if nothing gets recouped.

Disagreed. This is most definently covered. If not anything else but in good faith.
We developed over 400m of land and homes last year. It's not up to home owner to prove neglect. It's up to contractor to prove it wasn't his fault.
Furthermore theres what they call a wrap insurance and mostly all accidents fall under accidental wrap on the contractor's side.
At the end of the day no bonded, licensed and insured contractor wants a claim or complaint filed. Only takes a couple.

My first Avenue to get this fixed would be to contact electrician. Most likely goes away here.

2nd would be contact insurance and file a claim. No sub or contractor wants this kind of thing filed against insurance.

3rd would be contact ROC if first 2 fail.
This is where his bond comes in. In my state its 1m bond very least.
Highly doubtful it goes this far. This is last thing contractor wants to happen here.

Is what it really is here.

 

[LOVEROCK]

I had it happen my blind dog knocked the temp probe out the tank , I still have to find a way to secure , tank went up to 90 F

 

[Coralcrazy06770]

i am so sorry this makes me sick to my stomach

 

[Dolelo96]

I am so sorry..If your ever in N Florida, I have some free frags for you

 

[Sisterlimonpot]

Truly sucks man! I'm sure most people that have been in the hobby for some time will have similar stories. It hurts but it's times like this that prove who you are...

 

[pdxmonkeyboy]

well, I texted the contractor to see if he "bumped anything off the shelf".. under the guise of "Hey, I'm looking to this screw that was sitting there". If he says yes, then it would be a pretty easy jump to say.. yeah that thing you bumped off the shelve has a cord and sensor on it. And..

I feel bad, the guy is really nice and accidents happen, but... I did suffer a pretty big monetary loss here by his accident.