...

Kevin Dipetrillo talks about how ActionCOACH has helped him get to the next level in his business...

Protecting your home and valuables during a home renovation or other major construction project can raise a number of concerns. Below is some helpful insurance information to help protect homeowners against a variey of potential problems. All companies hired to work at your home should carry both liabiltiy and worker's compensation insurance. Note that in addtion to a workers comp claim, an injured worker may be able to make a tort claim against a homeowner from active or passive negligence. Active negligence results when the homeowner's actions contributes to the accident (lending a tool, for example). Passive neglience results when a homeowner fails to act (failing to warn the worker of a known danger such as a hole in the yard).

Be aware that some contractors have provided forgetd documentation of insurance. Generally you will want to get a copy of the insurance certificate directly from the insurance company, or, if a licensed contractor, you will want to verify insurance on the website of the professional licensing board. A typicaly insurance certificate lists the types of insurance the contractor has through the insurance company, including policy number, effective dates and policy limits. If you have a good insurance agent for your home, your agent will generally be willing to work with you to verify the insurance held by the contractor and if you need additional coverage for risks that are not covered.

Special thanks to Kevin DiPetrillo with Southern Insurance Advisors, Inc. for his guidance and input. If you have questions or need additional insurance information, I am sure Kevin would be glad to assist you in fulfilling your insurance needs. Call him at 770.977.4140 or email at kevin@southia.com.

<< Back to article