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Question DetailsAsked on 3/10/2012

what type of insurance does contarctor have to carry for home repair

outside deck work on a hill

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3 Answers

0
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It depends on your local government requirements. Many parts of the country do not require any insurance at all for general contractors. Texas does not even have licensing for GC's. For your own protection you may want to speak with your agent about what is covered and what is not based on any gaps your contractor may have in his own coverage. Bear in mind you'll pay more for an adequately licensed contractor because his operating cost to carry that coverage will be higher.

General liability insurance is the biggest one. That should cover anything that may happen as a result of poor workmanship in the form of property or personal injury. The best protection you can have is to look for a contractor well experienced in this type of work and who can easily pass an inspection by any structral engineer. If your deck is on a hill side you may want to consider paying a few hundred dollars for a structural engineer's input on the footings and framing. In Austin I now have to have an engineer sign off of my plans for decks, no matter their height or location. Here in San Antonio the inspectors think they can handle looking at the work but obviously don't know what they are looking at most of the time based on what I've had to go repair after the fact. Pull any necessary permits but don't trust the city inspector to catch everything. Call an engineer. your contractor should have one to recommend. Keep his license number on file in case there is ever a problem since he is certifying what the contractor has done is up to par.

Todd Shell
Todd's Home Services


Source: www.thomeservices.com

Answered 8 years ago by Todd's Home Services

0
Votes

He should carry liability insurance.

Answered 8 years ago by JGHamm

0
Votes

Iowa and Nebr require home improvement contractors be licensed, and can self insure their workmans comp policy. Self insured is same as none. Most carry liabilty insurance. Ask to see the insurance company binders for proof. Do not hire contractors without appropriate paperwork.

Source: http://www.hearttlandmastershield.com

Answered 8 years ago by jccasper




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