Let's say a subcontractor delivers supplies to a site and the supplies walk
off before they can be installed. The supplies can be lumber, copper, AC
units, anything... My question is, in normal circumstances (if there are
any), who should be responsible and who's insurance (hopefully) would be
expected to cover the loss - The owner, GC, subcontractor ?
I know there might be mitigating circumstances like what's in the contract
or whether the supplies were properly secured, etc. So please feel free to
relate your own experiences or thoughts.
If the subcontractors materials are not installed, they are responsible for
them. They didn't have to leave it out there.
If the materials have been installed (A/C unit, copper tubing, etc.) then
the builder is responsible.
If the materials are provided by the builder (lumber, doors, windows), the
builder is responsible.
If the owner supplied the materials and profit margin is not provided to the
builder and/or if the owner leaves materials when they are not needed, the
owner takes responsibility.
I've had everything you can imagine stolen. I've replaced water heaters,
air conditioners, furnaces, ranges, microwaves, front doors, copper piping,
light fixtures, lumber, etc. Unfotunately, my deductible has always been
higher than the cost of any single theft. You just call the cops, make the
report, and replace the lost item.
Its the world we live in.
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