I would add that "proof of insurance" is not just a simple letter from an insurance company. If you really want proof of insurance you need:
1. The name of the insurance company, policy number, and a point of contact
2. The policy premium paid and when does the policy expire?
3. The dollar limit of coverage
4. Can the homeowner file a claim against the policy for the contractor's wrongful actions, "independent" of the contractor?
If the policy is just a personal liability policy to protect the contractor, it is worthless to the homeowner. What good is an insurance policy if the contractor either refuses to file a claim or disappears?
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