Why Your Driveway Sealing Contractor Should Be Fully Insured
It is always a good idea to take actions that can help protect you should an event occur — even if it is unlikely that anything bad will happen. For example, even if they have never been in an accident, many people still buckle their seat belts every time they get in a car. Despite owning a home in an area that has never experienced a flood, some people carry flood insurance. Other people refuse to shower or talk on the phone during a thunderstorm even though the chances that lightning will travel through the phone lines or pipes are not particularly great. In short, it is human nature to attempt to reduce risks as much as possible. However, many people overlook the risks that uninsured contractors can pose. If you truly want to protect yourself, you should only hire asphalt contractors who are fully insured.
Why Your Driveway Sealing Contractor Should Be Fully Insured – Why the Contractor’s Insurance Matters
Suppose you have a mature tree on your property that is showing signs of severe rot. You realize that if a strong wind topples the tree, it will fall on your home if the wind is coming from the north. You call three professional contractors, and each contractor tells you that it will cost $2,000 to fell the tree and remove it. Before you have reached a decision, you see an ad posted by a handyman in the local newspaper stating that he will fell and remove any tree for just $500. You hire the handyman to remove the tree, but instead of the tree falling harmlessly in your yard, it lands on your home and causes $40,000 in damage.
Who is going to pay for repairing your home? If you had hired a fully insured contractor, his insurance would pay. If the handyman has no insurance and is unable to pay for the repairs out of his own pocket, your only option would be to hire an expensive lawyer and sue him; it is highly unlikely that you would ever see a penny from him even if you win the lawsuit. To add insult to injury, your own insurance may not cover the repairs. Most policies only cover tree damage resulting from a covered peril; perils are usually limited to natural events such as lightning, windstorms and ice or acts of vandalism — and only if your negligence did not contribute to the tree. If you knew the tree was rotten and it fell during a storm, you could be considered negligent and the insurance company could deny your claim. By hiring an uninsured person to remove the tree, you could also be considered negligent even if your policy covered damages resulting from cutting down a tree. Furthermore, if the tree had fallen on your neighbor’s property, you could also be held liable for any damages caused to his property.
The Same Principle Applies to Uninsured Asphalt Contractors
If you hire an uninsured asphalt contractor and his employees are responsible for damage to your property or property belonging to someone else, you could find yourself in the same situation as someone who hired an uninsured amateur to cut down a tree. Furthermore, the contractor’s insurance protects you if one of his employees is injured on the job, his work fails prematurely or if his actions result in an injury to someone who is not his employee.
Driveway Sealing Call Frank is an award-winning driveway and commercial sealing contractor serving customers in many Connecticut communities. We are registered, insured and a Connecticut-certified contractor. No job is too small or too big for our highly qualified crews. Our services include driveway parking lot sealcoating, asphalt repairs, parking lot striping, asphalt paving, concrete repair and installation, infrared pothole repair and curbing. We have established an outstanding reputation by delivering quality work at competitive prices. For a free estimate, complete the quote request form or call us at (203) 378-0080 or 1-800-DRIVEWAY.
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