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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.

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olyjohn 4 days ago | parent | next [-]

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.

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dilyevsky 4 days ago | parent | prev | next [-]

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

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dyauspitr 3 days ago | parent | next [-]

I’m pretty sure my home insurance would cover some of that liability and even if it doesn’t, the umbrella insurance I have on my home does

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Our_Benefactors 4 days ago | parent | prev [-]

Risk reward ratio is pretty good though. Insurance is just gambling for unlucky people.

	▲	dilyevsky 3 days ago \| parent [-]
		You've got some weird math there in your ratio. At a minimum it's a giant hassle and can potentially bankrupt you in the extreme. Anything related with heights, electrical or water i would never risk hiring uninsured/unlicensed rando because the potential downside is essentially uncapped

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pests 5 days ago | parent | prev [-]

Were the quotes from the big companies also for a metal cap and not a poured cap?

	▲	dyauspitr 5 days ago \| parent [-]
		Yep, stainless steel cap