Non-insured home restoration service companies
When you as a home or business owner have an un-insured worker or cleaning company doing work on your property, you put yourself at tremendous financial risk. You run the risk of being subject to anyone, or even all of the following if there is damage to your home or business while working.:
While insurance isn't necessarily a measure of competence, it does imply a certain level of professionalism and suggests that the worker is committed to his or her job. More significantly, insurance can protect you from a number of potential problems, such as the following:
Uninsured:
If you use a worker who is uninsured, it means the worker has no way of reimbursing you for any property damage he or she causes. This means you end up paying the price. Likewise, if the workers carelessness leads to injury or damage to someone else's property, the problem is likely to become yours.
No coverage under homeowner's policy:
Some homeowners believe it is safe to use an uninsured worker, assuming that any damages incurred would be covered under their homeowners insurance policies. However, this isn't the case. Most homeowner policies require that any work to the property be done by a properly licensed and insured company.
Poor quality work:
Not all non-state registered cleaning companies do poor quality work. However, as a rule, if there's shoddy work to be done, it's usually done by non-registered companies. Because some services aren't subject to meeting specific standards, they are often untrained, less experienced, and unqualified to do certain types of work.
Con artists:
Scams in the home maintenance industry have become almost legendary in the last few decades. Con artists posing as qualified service providers, and often targeting the elderly, have made national news many number of times. Even so unwary homeowners continue to be taken in by these pseudo service companies, who often promise unrealistically low prices or use scare tactics to close the deal. In these cases, the homeowner typically ends up with either an incomplete or a low quality project - and several hundred, or even thousands of dollars out of pocket expense.
When you as a home or business owner have an un-insured worker or cleaning company doing work on your property, you put yourself at tremendous financial risk. You run the risk of being subject to anyone, or even all of the following if there is damage to your home or business while working.:
- Regardless of whether they are just cleaning one area or your entire home, if you hire an uninsured company you open yourself up to significant liability as a homeowner.
While insurance isn't necessarily a measure of competence, it does imply a certain level of professionalism and suggests that the worker is committed to his or her job. More significantly, insurance can protect you from a number of potential problems, such as the following:
Uninsured:
If you use a worker who is uninsured, it means the worker has no way of reimbursing you for any property damage he or she causes. This means you end up paying the price. Likewise, if the workers carelessness leads to injury or damage to someone else's property, the problem is likely to become yours.
No coverage under homeowner's policy:
Some homeowners believe it is safe to use an uninsured worker, assuming that any damages incurred would be covered under their homeowners insurance policies. However, this isn't the case. Most homeowner policies require that any work to the property be done by a properly licensed and insured company.
Poor quality work:
Not all non-state registered cleaning companies do poor quality work. However, as a rule, if there's shoddy work to be done, it's usually done by non-registered companies. Because some services aren't subject to meeting specific standards, they are often untrained, less experienced, and unqualified to do certain types of work.
Con artists:
Scams in the home maintenance industry have become almost legendary in the last few decades. Con artists posing as qualified service providers, and often targeting the elderly, have made national news many number of times. Even so unwary homeowners continue to be taken in by these pseudo service companies, who often promise unrealistically low prices or use scare tactics to close the deal. In these cases, the homeowner typically ends up with either an incomplete or a low quality project - and several hundred, or even thousands of dollars out of pocket expense.