CONSIDERING HIRING A CONTRACTOR ?

31. July 2012, 21:00 | by WD Milner | Full Article |

More and more people are renovating their homes and cottages every day. Some do the work themselves, while others chose to call in a professional contractor to do the job. Before you even collect the materials there are a few preliminaries that can save a whole lot of potential grief down the road.

Before starting, consult your home owner’s insurance policies, especially the fine print. Most policies will cover normal home occupancy and maintenance, but not renovations or additions. If it does’t, contact your insurance agent and see about expanding your coverage during the time it takes to complete the project. Otherwise you may not be covered should something untoward happen due to, or as part of the project.

If you should decide to hire a contractor, you should talk to several and then make a shorter list to pick from and get your final quotes. The primary criteria before asking any other questions should be that (a) they have liability insurance, (b) they are paid up with Worker’s Compensation and (c) are willing to provide proof (policy and phone numbers) of same. Those who will try an avoid the last one should be avoided. If a worker is injured during the project and the contractor has no insurance, you could be considered the employer and be held liable. On the other side, if they damage your property and have no liability insurance you are out of luck.

A little preparation ahead of time may same a lot of anxiety and misery later.

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Keywords: hiring,contractor,insurance,liability

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