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#7
04-06-2005, 03:34 PM
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You are pretty much safe from your own errors when it comes to insurance as long as you were not deliberate in causing the damage. If insurance did not cover in cases of ignorance, stupidity or carelessness, there would be very few payouts ever made. They may however increase you rates afterwards (you could probably count on that) or even drop your coverage since you may represent an increased risk.
If you pay someone to do work and it turns out to be the fault, then they can be held liable by the insurer, but your still safe. I guess the thing to keep in mind is, does it seem safe and sound? If there is some question or concern with the saftey of what you are attempting, do you want to risk your tank and your home to save a buck or two?
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I retired and got a fixed income but it's broke. Ed _______________________________________ 50 gallon FOWLR, 10 gallon sump. 130 gallon reef, 20 gallon sump, 10 gallon refugium. 10 gallon quarantine. 60 gallon winter tank for pond fish. 300 gallon pond with waterfall. 
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