Your Contractor Is Licensed, But Does He Have General Liability Insurance?

The Massey Clark Fisher Team | 09/14/2011

Tags: community • home insurance • homeowners insurance • insurance • local • safety tips • seasonal • tips

No matter what the size of your project, when it comes to remodeling your home, you must be prepared for everything. For the most part, before hiring a contractor, everyone knows the importance of confirming if your contractor is licensed. But, what most people don’t confirm: is that their contractor has Florida General Liability Insurance.

General Liability Insurance protects your property in case of damage caused by the contractor or any of his employees. The policy will cover the cost of replacing or repairing any damage that occurs. And let’s be honest, you wouldn’t want one project to multiply, especially if you have to pay for it!. It won’t add any time or delay your project to obtain proof of insurance. Florida General Liability Insurance policyholders will have obtained a certificate of purchase. A simple step could save you time, money, and a huge headache.

Aside from Florida General Liability Insurance, do you need other tips for finding the right contractor when remodeling your home?

Do they carry workers’ compensation insurance?

Make sure your contractor carries workers’ compensation insurance. It protects you from liability if a worker is injured while on your property.

Do they offer financing?

Many Contractors are lender-approved contractors.

Are they a member of NARI or NAHB?

NARI stands for the National Association of the Remodeling Industry and NAHB stands for the National Association of Home Builders. It’s always a good idea to consider hiring a NARI or NAHB contractor.

Will they pull all the required building permits?

Make sure your contractor pulls all required permits.

Will they provide me with written references?

A good contractor will be happy to provide you with references. You should look for a well-established contractor who can give you several customer references from the last 6 months to one year.

Do they guarantee their work?

Your contractor should guarantee his work for at least one year from date of completion.


Disclaimer: The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.

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