If you take at least a little time out to ask a homeowner, chances are that you will have to hire someone to help you fix some stuff around your Calgary home. Whether you need some siding installed, a plumbing issue fixed, and trees around your home fixed or as much as your deck constructed, it is vital that the contractor you hire is fully insured. If you are having a hard time believing this, just Google “contractor horror stories” and thank me later. For a fun fact, the Federal Trade Commission in 2011 received over 13,000 home repair-related complaints. So, do I have you undivided attention now?
Just because you have homeowners insurance doesn’t imply you are covered as per insurance
If you are not too fortunate to hire the kind of contractor who eventually ruins your garage, your homeowners insurance would probably cover it. It will not cover things such as poor workmanship, so you always have to ask the contractor the kind of insurance he or she carries. Whatever the kind of answer the contractor gives you, it should comprise worker’s comp, personal liability and property damage. The subcontractors you will be asking of should as well be insured if they happen to ask you what is covered under your home insurance. The wise move would be to have them mail you copies of their insurance certificates, and do all the homework As a homeowner in Calgary you could be held liable for any injuries or damages that may occur while they are working on your landscape project.
Why You Should Hire Contractors That Have Workers Compensation Insurance?
When you hire an insured contractor for your landscaping in Calgary, you will be in many ways protecting your property from damage and saving your pockets the holes it would cost for any kind of repair or replacement. In any case, should an insured contractor cause any damage on your deck or irrigation system during the course of his work, then his or her insurance company got your back. Likewise, you won’t be held liable for any kind of accident or mishap that happened during the project. Any insured contractor in Calgary that gets injured while doing work on your property, you will not be responsible for their treatment because the person can well file for damages with his insurance company. Lastly, hiring a contractor who checks out with insurance assures you of the quality of work to be delivered, not the kind a tinker man off the streets could hurry in and out of. Insured contractors, habitually, have more responsibility when it comes to working than those who aren’t registered with an insurance company – it is the way of the world.
You need to not just beware, but armed to the teeth when it comes to dealing with contractors without insurance papers. Some of them may seek to convince you on the spot that insurance is not an essential part of their service, boasting of years and years of topnotch delivery. Beware. Most of those are pitches that can turn out as hair in your beloved chocolate pudding. They don’t always tell the truth, so don’t fall for it. Some of them can even offer to sweeten the deal by quoting for you fees that are below benchmark prices and the industry average. You may think you will be saving money in the short run, but on the longer chase hiring that uninsured contractor can cost you big time should something ever go wrong while the project is going on.
Before now or at this point you may be asking yourself whether hiring a contractor with insurance compensation papers is really a thing. You may think it’s just a fad, and that it doesn’t really matter. The most honest answer one can give you is “Get a Calgary contractor who has insurance”. And that’s as much pointer as you can get; one you will be thankful you got in the long run and as for many projects to come. For the safety of your property and the wellbeing of workers, hire people from companies with good reputation who can furnish you with an original certificate of insurance and compensation.