I was washing a Porsche with PPF (Clear Bra). I got too close to the edge of the film on the fender. The water jet injected under the film, lifting a large bubble and tearing the edge. The film must be replaced. Cost: $800 per panel.
Key Takeaways
- Workmanship Error: Once again, damaging the item you are working on is “Faulty Workmanship.” General Liability excludes this.
- Pre-Existing Lift: If the PPF was already starting to lift (common on edges), you need to prove it. Pre-inspection photos are your only defense.
- Garage Keepers: Might cover it if you argue it was an “accident,” but deductibles ($500) make it a wash for a $800 claim.
- Voluntary Property Damage: This is the best coverage for this. It pays for the “oops” without a massive investigation.
The “Why” (The Trap): The 3-Foot Rule
PPF manufacturers state: “Do not use pressure washers within 3 feet of edges.”
If you were closer than 3 feet, you violated the manufacturer’s care instructions. That is negligence/workmanship error.
Insurance denies coverage for “failure to follow instructions.”
The Investigation: “I Called Them”
I asked how to handle torn PPF.
1. PPF Shop (Repair)
- Cost: $600 – $1,000 to strip and re-film the hood/fender.
- Note: You can’t patch PPF. You have to redo the whole panel.
2. Insurance Claim
- Verdict: Denied (Workmanship). Or accepted under Garage Keepers but subject to $500 deductible.
- Result: You get a check for $300 and a rate hike. Bad deal.
Comparison Table: PPF Repair
| Option | Cost | Long Term Cost |
| File Claim | $500 (Ded) | Higher Rates |
| Pay Cash | $800 | None |
| Referral Trade | $500 | None |
Step-by-Step Action Plan
- Tape the Edges: Before washing, put painter’s tape over any lifting PPF edges to seal them from water.
- Stand Back: Keep the nozzle 3 feet away. Use a wider fan (40 degree).
- Photo Inspection: Walk the car. Look for “silvering” at the edges (air pockets). Point them out to the customer: “This film is failing. I will be careful, but it may lift further.”
- Pay the Installer: If you lift it, call the shop that installed it. They might give you a wholesale rate to fix it.
FAQ
Q: Can I cut the lifted part off?
A: You can trim it back with an X-Acto knife, but it leaves an ugly line. Ask the customer first.
Q: Is vinyl wrap the same?
A: Yes, but vinyl is cheaper to replace than PPF.
[IMAGE: Macro photo of PPF edge lifting with water bubbles underneath.]