On 9/15/2017 10:00 PM, philo wrote:
On 09/15/2017 12:54 PM, Frank wrote:
O


Even in my younger days when I earned a living by painting houses, I
never went up on a roof other than a single story ranch house.

I was all over the roof in my younger days but not now.Â* I might go up
ladder to 1st level to clean gutters but that's it.

One son that is an insurance company lawyer tells me he has several
cases in front of him where workers fell off roofs with severe
injuries like broken backs or knees that needed replacement and if
they don't have workman's comp can come after the home owner.Â* In
getting our new deck my wife has gotten copies of insurance for not
only the contractor but for his sub that is doing the new deck.

Couple of years ago we had a carpet installer fall and punch a hole in
the wall and hurt his shoulder.Â* PITA to get him to fix it and he did
not complain about sore shoulder.

We called our insurance company to see if we could get a rider on our
homeowners to cover workers and they said they did not sell them
although lawyer son with another company got one.




Thanks for the info.

I better find one who has insurance then

We found in contracting for our new deck that the contractors readily
supplied the information to assure us. One ditched us when we requested it.

Building permits for roofs are only required here if something like 20%
of underlying boards must be replaced. To get a building permit in this
county the contractor must be licensed, bonded and insured.

We were surprised that our home owners insurance would not cover these
workers and we could not even get a rider.