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Old 11-05-2007, 10:00 PM   #31
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Ed the Roofer, the roofing job was completed Saturday morning and I'm very pleased. Based on the posts you and The Roofing God have made in other threads I'm confident they did a good job. I am not very knowledgable when it comes to roofing so I spent some time at this forum reading a number of topics before I selected a roofer. I really appreciate your sharing your knowledge, it helped greatly.

No one fell off the roof thank goodness. I did see my insurance agent at the golf course Sunday and asked him if someone I hired for a project was injured and had no workmans comp. did my homeowners policy kick in. His answer: The homeowners policy itself did not kick in but the liability rider I added would kick in upto the liability limit.

I also asked him about the Certificate of Insurance a contractor has to show prospective customers. He said all they tell anyone who calls inquiring is whether the Insurance is still in effect. They do not provide a list of employees who are covered by workmans comp.

The crew that did the work all spoke English, it was a grandfather, his 2 sons and a few adult grandkids. The contractor stop by 3 times during the job. He overestimated the job by 1 sq. and reduced the price 1 sq.


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Old 11-05-2007, 10:25 PM   #32
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least he had a good reference guide
"If it`s worth doing,It`s worth doing right!!"
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Old 11-06-2007, 10:39 AM   #33
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So, just curious. Can you provide a list of some documented cases of a homeowner being successfully or unsuccesfully sued for a workers injury that ocurred while they were working for a company that told the homeowner they were insured. Newspaper articles or case numbers would suffice.

I have never heard of a single instance.

By the way, in the flyover country (midwest) fully insured, professional companies often charge what look like low rates to you big city folks. I'm amazed that you guys have to pay for such miserable living conditions.
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Old 11-06-2007, 11:31 AM   #34
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From a Google search:



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