On Tuesday, July 30, 2019 at 10:52:09 AM UTC-4, Scott Lurndal wrote:
Frank "frank writes:
On 7/30/2019 8:58 AM, devnull wrote:
On 7/30/19 8:43 AM, Frank wrote:
Reading this, an additional caution I would like to add is that if a
contractor is unlicensed and does not get permits it is also unlikely
that he has workmen's compensation insurance.Â* Most homeowners
insurance will not apply to workers injured on their property.Â* My
son, an insurance company lawyer, told me a story of an uninsured
contractor falling off a roof and the homeowner was held responsible.


It's 100% the contractor's fault for not obtaining workman's comp
insurance.Â* The homeowner shouldn't be held liable.

This must be another one of those laws crafted by the democrats to
protect their lying cheating constituents.

True that homeowner should not be liable but it's happened.

Then you should be able to provide a citation ("told me a story"
is not a citation, even it purportedly was said by a lawyer).

Certainly all the facts are not in evidence (perhaps the homeowner
did something stupid which caused the fall).

Also, Frank said the contractor fell. I'd suspect a WORKER who fell
would have a much better chance of prevailing against the homeowner
than the contractor himself. And if it's a worker, looks like it works
like you say, that to be liable you have to do something to make yourself
liable, other than just hiring a contractor. Still, the larger problem
is someone like an injured worker can hire an attorney and sue EVERYONE.
And then what? You'd be on the hook to defend yourself. I guess they can
still sue you anyway, even if the contractor has insurance, but for sure
it's way better if the contractor has the insurance.