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Main Office 8213 Dayton Pike Hixson, Tn. 37343 423-595-0608
Chattanooga Office 8213 Dayton Pike Hixson, Tn. 37323 423-595-0608 |
Why Hire A Insured Professional Unlicensed individuals are considered your employees. That means you are required to provide them with workman's compensation insurance. If you do not provide this insurance not only are you in violation of the law, you could be held responsible for paying their salary for the rest of their life should they get hurt. Unlicensed individuals have no liability insurance. That means no protection of your investment from faulty materials or workmanship. Theft from the job site isn't covered and a worker's carelessness that leads to injury or property damage could leave you holding a very large bill. Unlicensed individuals leave you unprotected against a mechanic's lien. If the professional you hired to do the work doesn't pay his suppliers they can put a lien on your house. Individuals not licensed do not have bonding protection on their jobs through the state fund, which means you don't have this protection. Unlicensed individuals cannot apply for permits on the job you hired them for. Without a permit, not only are you again breaking the law, you are afforded none of the protections the permitting process offers you. Your job will not be covered by your homeowner's insurance because insurance companies won't cover bootleg work. You may encounter problems when you attempt to sell your house. Some counties may even require you to rework the job, costing you twice. Officials can, and do, even require the entire removal of the non-permitted structures. Permitting is done to ensure that the building codes are met. Building codes are there to ensure that the job is done correctly. The unlicensed individual probably doesn't even know what the codes are, and is even less likely to follow them. If the codes aren't followed and the job isn't done correctly severe injury to you or your family could result from using the incorrect materials or through faulty workmanship. People often "poo-poo" the building codes when it comes to "simple" projects like a deck or garage but it is no laughing matter when an improperly built garage or deck collapses, leaving a family member buried under five or six hundred pounds of wood. The bottom line is that there are lots of reasons not to hire an unlicensed Worker but only one reason to... price. We think the safety and well being of our families are worth a little extra. How about your family? |
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"Do You Have Uninsured Subcontractors?" |