Comment by dyauspitr
1 day ago
Disagree. Just the other day I needed someone to replace my chimney cap. The quotes from the big companies ranged from $3k-10k. Utterly ridiculous. I got some guy from an app who bought the stainless steel cap for $300 and installed it for $300 more for a total of $600 and the work is fine.
The guys at the big companies have a service which tells them your salary and all kinds of personal details about you. The point is to see how much you can afford, pray on your ignorance, and milk you for as much as possible.
The difference is when guy from an app falls and breaks something it will turn out he doesn’t have insurance so you will lose much more than 3k when he sues
Risk reward ratio is pretty good though. Insurance is just gambling for unlucky people.
Were the quotes from the big companies also for a metal cap and not a poured cap?
Yep, stainless steel cap