Home |
Search |
Today's Posts |
|
Home Repair (alt.home.repair) For all homeowners and DIYers with many experienced tradesmen. Solve your toughest home fix-it problems. |
Reply |
|
LinkBack | Thread Tools | Display Modes |
#1
Posted to alt.home.repair
|
|||
|
|||
Contractors Insurance: What To Ask For ?
Hello:
Will be dealing with a contractor for a roofing job. Have never really dealt with any before on a "big" job. Regarding insurance that they should have: a. What papers and proof of insurance should I request that I receive a copy of from him ? I guess this should include Liability, and Workmen's Compensation, as well as some other types. Right ? What should I ask for specifically, please ? What about insurance for Medical related accidents his workers might have happen on the job ? What kind of insurance should they carry for this ? b. Also, I read about some time back about something called a "Workmen's Lien" Not at all sure I have the name correct. Has to do with, I think, if the major contractor does not pay any workers he hires, they can sue the homeowner directly for lost wages, etc. What kind of paper work or insurance coverage should I request to see from him so that I am protected against this possibly happening ? Anything else I should be asking here, but not smart enough to know to ask ? Much thanks Bob |
#2
Posted to alt.home.repair
|
|||
|
|||
Contractors Insurance: What To Ask For ?
"...Make sure your contractor is INSURED for both Worker's Compensation
and General Liability. Don't take the contractor's word or accept a copy of an insurance binder from the contractor. The only secure way is to get the name of the contractor's insurance carrier, look the number up in the phone book yourself, then call and ask for a Certificate of Insurance. The carrier will be happy to send you one in the mail..." http://www.garagedoorsupply.com/findacontractor.html ==================================== Garage Door Parts, LLC 973-472-4818 http://www.garagedoorsupply.com ==================================== "Robert11" wrote in message . .. Hello: Will be dealing with a contractor for a roofing job. Have never really dealt with any before on a "big" job. Regarding insurance that they should have: a. What papers and proof of insurance should I request that I receive a copy of from him ? I guess this should include Liability, and Workmen's Compensation, as well as some other types. Right ? What should I ask for specifically, please ? What about insurance for Medical related accidents his workers might have happen on the job ? What kind of insurance should they carry for this ? b. Also, I read about some time back about something called a "Workmen's Lien" Not at all sure I have the name correct. Has to do with, I think, if the major contractor does not pay any workers he hires, they can sue the homeowner directly for lost wages, etc. What kind of paper work or insurance coverage should I request to see from him so that I am protected against this possibly happening ? Anything else I should be asking here, but not smart enough to know to ask ? Much thanks Bob |
#3
Posted to alt.home.repair
|
|||
|
|||
Contractors Insurance: What To Ask For ?
|
#4
Posted to alt.home.repair
|
|||
|
|||
Contractors Insurance: What To Ask For ?
|
#5
Posted to alt.home.repair
|
|||
|
|||
Contractors Insurance: What To Ask For ?
"Robert11" wrote in message . .. Hello: Will be dealing with a contractor for a roofing job. Have never really dealt with any before on a "big" job. Regarding insurance that they should have: a. What papers and proof of insurance should I request that I receive a copy of from him ? I guess this should include Liability, and Workmen's Compensation, as well as some other types. Right ? What should I ask for specifically, please ? What about insurance for Medical related accidents his workers might have happen on the job ? What kind of insurance should they carry for this ? b. Also, I read about some time back about something called a "Workmen's Lien" Not at all sure I have the name correct. Has to do with, I think, if the major contractor does not pay any workers he hires, they can sue the homeowner directly for lost wages, etc. What kind of paper work or insurance coverage should I request to see from him so that I am protected against this possibly happening ? Anything else I should be asking here, but not smart enough to know to ask ? Much thanks Bob Any competant contractor would be happy to have thier insurance company mail and/or fax a certificate of insurance to you. Just call the contractor and they will call the insurer and have it sent. The certificate will list the contractors coverages and companies as well as your address where the work will be done. It's something they do everyday so don't think you are imposing to phone up the contractor. |
#6
Posted to alt.home.repair
|
|||
|
|||
Contractors Insurance: What To Ask For ?
wrote in message ... On 7 Mar 2006 07:15:24 -0800, "CanopyCo" wrote: Get the contract in writing, and make sure there is a clause in there where he pays you if the job is not completed in full in X number of days, for every day after X days that the job is still not finished. That will be the first signal to the contractor that you are going to be a very high maintainance customer ... and that he should turn down the job. And not the company owing you, but the contractor personally. Maybe the contractor could give you $50 000 cash up front ... and when the job is done to your satisfaction, you could give h im back the 50 grand plus the value of the job. I knew of several guys that start jobs, then stick you up for more money to finish them. That's why you do a reference check. And it is really hard to find someone to take up a job that was started by someone else. Unless the market is dead and the contractor is starving, It is going to be really hard to find someone under the terms you're suggesting. Ken Just cause he's paranoid doesn't mean they're not out to get him. |
#7
Posted to alt.home.repair
|
|||
|
|||
Contractors Insurance: What To Ask For ?
CanopyCo wrote:
Robert11 wrote: Hello: Will be dealing with a contractor for a roofing job. Have never really dealt with any before on a "big" job. Regarding insurance that they should have: a. What papers and proof of insurance should I request that I receive a copy of from him ? I guess this should include Liability, and Workmen's Compensation, as well as some other types. Right ? What should I ask for specifically, please ? What about insurance for Medical related accidents his workers might have happen on the job ? What kind of insurance should they carry for this ? b. Also, I read about some time back about something called a "Workmen's Lien" Not at all sure I have the name correct. Has to do with, I think, if the major contractor does not pay any workers he hires, they can sue the homeowner directly for lost wages, etc. What kind of paper work or insurance coverage should I request to see from him so that I am protected against this possibly happening ? Anything else I should be asking here, but not smart enough to know to ask ? Much thanks Bob Ok, I take it he is going to fix your house. Not you being a subcontractor fixing someone else's house under the contractors say so. Get the contract in writing, and make sure there is a clause in there where he pays you if the job is not completed in full in X number of days, for every day after X days that the job is still not finished. And not the company owing you, but the contractor personally. I knew of several guys that start jobs, then stick you up for more money to finish them. And it is really hard to find someone to take up a job that was started by someone else. General liability, and lots of it. You can really wreck things big time on a construction cite. The workers comp is a local deal, so I don't know if they can go after you there if you have a contract showing that the guys were hired by him and not you. Regardless of that.... If worker's comp is required in your state and the contractor isn't carrying it, they he's a lawbreaker. Is that the kind of person you want to do business with? Check the worker's comp insurance for sure. Don't take chances. I knew a roofer in my Rotary Club. (He's now retired.) He told me that the worker's comp premiums he paid depended on the angle of the roof his guys were working on each day and he had to keep logs detailing how many hours they spent working on flat roofs anad also on roofs below and above some angular threshold. He said that in severe cases his premium rate exceeded 100 percent of the hourly rate he paid the guy doing the work. Jeff -- Jeffry Wisnia (W1BSV + Brass Rat '57 EE) "Truth exists; only falsehood has to be invented." |
#8
Posted to alt.home.repair
|
|||
|
|||
Contractors Insurance: What To Ask For ?
Kathy wrote: Just cause he's paranoid doesn't mean they're not out to get him. Yep. I live in a small Oklahoma town, and I know of two such contractors operating right here who commonly start jobs, get money, then walk off. And one of them was a roofer. |
#9
Posted to alt.home.repair
|
|||
|
|||
Contractors Insurance: What To Ask For ?
Kathy wrote: Any competant contractor would be happy to have thier insurance company mail and/or fax a certificate of insurance to you. Just call the contractor and they will call the insurer and have it sent. The certificate will list the contractors coverages and companies as well as your address where the work will be done. It's something they do everyday so don't think you are imposing to phone up the contractor. Yes, But call the insuror yourself to be sure that he did not cancel the insurance after he got the paperwork sent out. That is a common move around here for the shade tree construction guys. |
#11
Posted to alt.home.repair
|
|||
|
|||
Contractors Insurance: What To Ask For ?
Get the contract in writing, and make sure there is a clause in there
where he pays you if the job is not completed in full in X number of days, for every day after X days that the job is still not finished. And not the company owing you, but the contractor personally. I just want to be clear on this. Your saying that this is std business practice for contractors in your area? Where is that? I have to agree with bam, here in NJ the contractor would just laugh at you and drive away. |
#12
Posted to alt.home.repair
|
|||
|
|||
Contractors Insurance: What To Ask For ?
|
Reply |
Thread Tools | Search this Thread |
Display Modes | |
|
|
Similar Threads | ||||
Thread | Forum | |||
==== Boycott Farmers Insurance! ==== | Home Ownership | |||
OT - Katrina and Insurance Claims | Metalworking | |||
OT - Katrina and Insurance Claims | Woodworking | |||
OT - Katrina and Insurance Claims | Metalworking | |||
Questions About Title Insurance | Home Ownership |