Steam Dryer Installation

 

Steam Dryer Installation

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Foot pad applications: Prevent scratches on the floor

Leveller Applications: Level up Appliances

Duct tape Applications:

- Avoid damaging laundry faucet pipe connections

- Prevent water leaks, injury and property damage *************************************************************************************************

Relevant Article on Faulty Workmanship in relation to appliance installation: “In the “property while being worked on” exclusion, there is an exception for “resulting damage to other insured property,” Justice Koke noted. This means there is coverage for damage not within the scope of work of the exterior restoration contract. In Monk’s case, the exclusion for “cost of making good faulty material or workmanship” should be interpreted to mean the cost of re-doing the work that Monk’s exterior restoration contractor was hired to do, wrote Koke." ("Home insurance can cover damage by a contractor during restoration, court finds" , https://www.canadianunderwriter.ca/insurance/court-rules-against-home-insurer-over-property-being-worked-on-exclusion-1004166178/)

Relevant Insurance Coverage:

a. Personal liability for Body injury or property damage for a DIY job, Commercial liability for renovations..., Liability of tenants for property damage like laminates and hardwood

b. Contractor’s tool and equipment floater c. Installation floater

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Relevant Article on levelling Appliances: "Hardwood provides a durable, beautiful and easy-to-clean floor when properly finished. It imparts warmth in a room that is lacking with tile or stone. The constant rocking, vibrations and occasional leaks from a washer or dryer, however, can damage your investment. Fortunately, several products and strategies can help you protect your floors.... Even with a perfectly level unit, the washer and dryer will vibrate, which can mar the surface of your wood floors over time. Install anti-vibration pads under the feet of each appliance to create a buffer between the units and the floors. For further protection, measure the footprint of the washer and dryer as they sit together, and then cut a piece of plywood finished with polyurethane to this size. Slide the plywood underneath the appliances and use the anti-skid pads under the feet (between the plywood and washer or dryer) to limit movement and to create a barrier between any potential leaks and the hardwood floors...." ("What Will Keep Hard Wood Floors From Getting Ruined From a Washer & Dryer?", https://homeguides.sfgate.com/keep-hard-wood-floors-getting-ruined-washer-dryer-68509.html)

Relevant Insurance coverage:

a. Liability both personal and business like that of moving, laundromat, appliance sales and service or maintenance market, liability of a tenant for property damage, liability of children, liability of a bailee

b. Personal property coverage c. Commercial equipment coverage

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Q: How does one separate washer and dryer water connections without damaging hose pipes?

How does one use a Y connector to connect Washer/Dryer water connection?

A: As shown in the video...

Relevant material on Appliance hoses and water damage: "Leaks around or clamps in the water hose are a warning sign of future failure. Do a monthly personal inspection on your hoses to look out for cracking, dryness or rust, leaving space between the machine and the wall for movement as the wash cycle is running. Replace your hoses every five years despite their outward appearance. Don’t forget to follow your washing machine instructions and turn off water supply when you leave home for vacation! 6 percent of failures occur when a home is unoccupied and end up being two and a half times more severe than a house that is occupied. 78 percent of hose failures occur in an appliance that is less than 11 years old. ("Washing Machine", https://rainbowintl.com/blog/water-damage-waiting-to-happen-the-appliances-most-likely-to-cause-water-damage)

Relevant Material on Property damage from Water: "Water damage has now surpassed fire as Canada’s leading cause of personal property claims. Examples of water damage include flooding, sewer backup, broken pipes, leaky plumbing, and more. To help avoid water damage in your home, and unnecessary home insurance claims, take a few simple precautions to decrease the chances of it happening to you... Inspect older appliances, particularly washing machine and dishwasher hoses, and replace them with steel braided hoses. On appliances and/or plumbing fixtures, replace old and worn rubber hoses with flexible steel-braided hoses...." ("Inside your home", https://www.intact.ca/blog/en/water-damage-prevention.html)

Relevant Statistics on Water damage: "Washing machines are one of the most common sources of water damage in the home, and the damage can be costly. After paying the deductible, the national average claim for water damage caused by washing machines is over $5,000...Since each washing machine has multiple ways of causing water damage, many homeowners do not fully understand the risks, prevention options, or cleanup options. Knowing just a little about how your washing machine can cause water damage can help you save thousands of dollars and a lot of headaches... More than 50% of all washing machine water damage claims can be traced back to a supply hose failure. This can be caused by: Pinching the hose while installing or replacing a washing machine, causing a hairline break...A poor connection to either the washing machine or wall..The hose’s own aging, which can lead to brittleness...Washing machine intake hoses are high-flow lines and can output over 600 gallons of water in an hour...If your washing machine’s supply hose is more than 5 years old or isn’t steel braided, replace them as soon as possible. It may sound a little excessive until you realize that a new pair of hoses can cost under $30 and can easily be installed without a plumber...” ("WASHING MACHINE WATER DAMAGE: CAUSES, SOLUTIONS, AND MORE", https://tscrestoration.com/blog/washing-machine-water-damage)

Relevant statistics on slip and fall at workplace: "Each year there are about 17,000 lost-time injuries due to falls in the workplace*...65% of all fall-related injuries are from "same level"*...One in five lost-time injuries result from falls*...Every year about 20 people die in Ontario because of workplace falls*..80 workers are injured every day because of a fall - that's one every 20 minutes*..An average WSIB claim is $11,771; factor in other costs like lost productivity and staff replacement, and the cost can be as much as four times more - approximately $59,000 per injury* with a profit margin of 5%, sales/services required to cover the total cost of one injury equals about $1.2 million.." ("Slips, Trips and Falls", https://www.wsps.ca/Information-Resources/Topics/Slips,-Trips-and-Falls.aspx )

Relevant Statistics on Slip & Fall in a Laundry room: "Slips and falls: Falls account for more than 8 million hospital visits each year, according to the National Fall Safety Institute. While slips and falls can happen anywhere, laundromats can pose increased risks due to leaking washing machines, stray clothing and laundry baskets on the floor, spilled detergent, and a number of other factors. You also may have patrons attempting to climb on top of stools or laundry equipment to reach products on high shelves, making falls more likely to happen and causing damage to your machines...." (“Reducing Injuries at Your Laundromat", https://www.coinomatic.com/coin-o-matic-blog/reducing-injuries-at-your-laundromat/)

Relevant Insurance Coverage:

a. Liability both for personal operations of washing machines for slip and fall or from business operations, liability of a tenant for property damage, liability of a landlord for body injury to tenants from negligence, liability of children, liability of a bailee

b. Commercial property named and broad form c. Habitational property coverages:

However, other damages from domestic appliances like "leaking of water from around hoses connected to household appliances are excluded" (RIBO)...

i. Tear out: "Coverage is provided for repair of walls, ceilings or other parts of the building which must be torn apart before water damage from plumbing, heating...or domestic appliances can be repaired" (RIBO). Water damage may be insured by "Other Habitational forms" (Ribo)
d. Personal property: Water damage to personal property is covered .... e. Seasonal dwelling fire and extended coverage: Water damage is covered .... f. Personal property: Water damage to personal property is covered ....

g. Seasonal dwelling fire and extended coverage: Water damage is covered ....

h. Travel and health for slip and falls in hotels, motels, commercial facilities or rental properties ....

i. Installation floater for sales & service business ***