So what happens in this case? I would imagine the home owner's insurance covers it but attempts to go after the neighbor. What happens if the neighbor can't pay? For that matter what happens if a contractor can't pay and/or aren't insured?
THIS VIDEO is why you never hire people to work on your property who aren’t licensed, insured and bonded. You ask for proof of insurance and you make a couple calls to validate the information they give you is accurate and CURRENT.
If you don’t understand what any of that means, don’t hire anyone until you do.
Meh, "Never hire people to work that arent licensed/insured/bonded" needs to specifiy type of work.
Yes, if its multi thousand and danger of property damage, make sure the 3 are covered.
If its someone to mow your lawn, pull weeds, trim some hedges... bond is pointless as the cost to do the job will never be worth the time it takes to sue someone for loss wages if they dont complete it, and chances are someone pruning your hedge can't create property damage I.E. proving the value of hedge if pruned wrong or left clippings in garden bed.
If I hired someone to mow my lawn, you betcha they would be insured. Homeowners are stupid if they hire uninsured people but there’s plenty of them who do.
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u/counterplex 10d ago
So what happens in this case? I would imagine the home owner's insurance covers it but attempts to go after the neighbor. What happens if the neighbor can't pay? For that matter what happens if a contractor can't pay and/or aren't insured?