replying to , mcadchri wrote:
trader4 wrote:

+1
Frequently claimed here, but I've yet to see one example of
an insurance company doing it. And he's also wrong on another
aspect. There is absolutely nothing preventing people in most
parts of the country from doing repairs in their own home
themselves without being licensed. You are frequently required to get
a permit, depending on what you are doing. But even here in the
Peoples Republic of NJ, you can do work on your own home, without
being licensed.



I'm going to try and reply to the previous two comments in this section
here so bear with me. As far as evidence is concerned, only what you learn
from speaking with customers and adjusters on the job. You're more than
welcome to try to read through the hundreds of pages of legal jargon in
your homeowner's insurance policy manual to find the specifics, but I'll
pass. We all do know though that when a large claim is made an adjuster
comes out to do an investigation (or the insurance company sends a
licensed professional on their behalf). This is to find out what caused
the leak (in this example of a shower valve leak). If they conclude that
the valve body itself is the cause of the leak, then of course they will
pay because this is what the insurance is for. However, if it is
determined that one of the sweats (copper + silver + copper fusions
linking the valve body to the pipe) is at fault for the cause of the water
they are going to question the owner on who installed the valve. This step
is because if another person is at faulty for shoddy work, they'll want
them to pay. That's why professional companies also carry insurance
policies. Every insurance company is different on how far they deem
reasonable to investigate, normally depending on the overall cost of the
repair. The model/identity number of the valve can be easily traced to
show when it was purchased. This can be compared to the tenure of the
homeowner in the residence. You can see where this goes. So you see, it
all depends on the company. Nothing is black and white, we all know that.
The problem with your statement is that you're making the assumption that
the VALVE is the problem, but in most cases it's the INSTALLATION.

To the second comment, I never stated that a person could not do it
themselves. Of course they can. That is every home owner's right. As long
as there's no HOA a home owner can do whatever they wish to their home.
And yes, a homeowner can pull their own permit in order to perform these
tasks. But a permit couples with an inspection to ensure it is done
properly and in accordance with city code.

Somehow we got off track and we are now talking about people doing their
own work. That's not at all what the question was or what the thread is
about. The question was is it legal for a Plumber to install a 2 or 3
handle valve that is not pressure balance or containing thermostatic
controlled. The simple answer is this: A LICENSED PLUMBING PROFESSIONAL
CAN NOT PERFORM THIS ACTION IN ACCORDANCE WITH THE UNIFORM PLUMBING CODE,
INTERNATIONAL BUILDING CODE, OR ASSE 1016; THEREFORE THE INSTALLATION OF
SUCH A DEVICE PUTS THE LICENSE OF THE PLUMBER PROFESSIONAL AT RISK OF
TERMINATION.

But if you want to put it in your home, go ahead. It's your home. You just
probably won't find an experienced licensed plumber, you know the people
who do this work for a living and are educated in it, who will risk his
license to do it for you. Hope this helps!

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