Beware of Unlicensed and Uninsured Contractors!

[Chellybean]

If you request from your contractor proof of insurance before they do any work at your property and they refuse!
This should raise a BIG RED FLAG!

Also most Contractors in Florida Need to be licensed under the DBPR ( Department of Business and Professional Regulations) Statue 489 and 455.
If they get hurt or damage your property you are up Chits creek without a paddle.
Goldman Appliance Service sent me this email when i requested there proof of insurance for A BOSCH dishwasher recall for over 660,000 dishwasher recalled due to potential fires of there power cord!

"We received your request for the Bosch cord recall about our license and insurance. Bosch, who issued the recall, has all of that information. We are a fully authorized Bosch Servicer. What that means is we are fully licensed, insured and have passed background checks. We go through a stringent process every year to keep our authorized status. We have been in business since 1905 and enjoy an impeccable reputation. While we understand your reasoning by requesting our information, we do not provide customers with our liability policy. We can however, in certain instances, give you our underwriter’s phone number and you may verify that our policy is in place and intact. While we are sure your intentions are good and you are only requesting this to protect your property, we will not be going forward with your recall. Please choose another servicer from the list provided."

Sincerely,
Na*** Go**man
Bookkeeper
Goldman Appliances, Inc.
352-622-6516
352-629-1446
Fax 352-622-8109

“Family Owned and Operated Since 1905”

"Mind you there is NO LIST PROVIDED EITHER"

FYI: just because some one is Factory authorized, doesn't mean they are Licensed and their insurance is up to date, which the manufactures usually only checks once a year and they have no enforcement capability. Furthermore NO Contractor wants factory Warranty work due to the Cut rate manufactures pay which hardly covers the cost of doing the job. Mind you this is from a family member of the business which is a bookkeeper and obviously are not aware of the potential problems of uninsured contractors. Also when you call Bosch you are talking to Asian agents and god only knows where there call centers are and can't supply you with a insurance certificate and refers you back to the contractor.
They instead take a high road instead of supplying a insurance certificate.
BEWARE!!!!!
There are major corporation everyday going bankrupted due to failed products, GM, Kodak, Takata Airbag. Etc..

[Investment Painting Contractors]

Go to Sunbiz Florida and check out this Co. They are a registered Corporation with the State of Florida which means all their Insurance is on file and they have liability ins.

[Chellybean]

Go to Sunbiz Florida and check out this Co. They are a registered Corporation with the State of Florida which means all their Insurance is on file and they have liability ins.

That is untrue! Just because they are on Sunbiz DOES NOT mean there Licensed and hold Insurance certificate.
Sunbiz is only Corporate Filing and does not check on Insurance. Furthermore DBPR has NO license on this company and under a very gray area of the Contracting Licensing there is a gap.
However they do advertise as Refrigeration repair which Indeed needs to be LICENSED with DBPR which they are NOT LICENSED.
Please before posting check your facts and do you homework there is a lot of vulnerable people on this Forum!

[Wiotte]

That is untrue! Just because they are on Sunbiz DOES NOT mean there Licensed and hold Insurance certificate.

Sunbiz is only Corporate Filing and does not check on Insurance. Furthermore DBPR has NO license on this company and under a very gray area of the Contracting Licensing there is a gap.

However they do advertise as Refrigeration repair which Indeed needs to be LICENSED with DBPR which they are NOT LICENSED.

Please before posting check your facts and do you homework there is a lot of vulnerable people on this Forum!



So, you’re not going to have your Bosch fixed because of this ?


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[Chellybean]

So, you’re not going to have your Bosch fixed because of this ?


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No i am forcing Bosch to send a licensed contractor and someone that will produce a Insurance certificate.
It is your call to have a unlicensed contractor or a uninsured contractor to enter your property.
People do it all the time and suffer the consequences.

[autumnspring]

That is untrue! Just because they are on Sunbiz DOES NOT mean there Licensed and hold Insurance certificate.
Sunbiz is only Corporate Filing and does not check on Insurance. Furthermore DBPR has NO license on this company and under a very gray area of the Contracting Licensing there is a gap.
However they do advertise as Refrigeration repair which Indeed needs to be LICENSED with DBPR which they are NOT LICENSED.
Please before posting check your facts and do you homework there is a lot of vulnerable people on this Forum!

You mention it is a Bosch recall. I expect the firm would need to contact Bosch to get paid.

I would never have thought to check for license or insurance.

Have, you contacted the BOSCH corporate office?

[Chellybean]

You mention it is a Bosch recall. I expect the firm would need to contact Bosch to get paid.

I would never have thought to check for license or insurance.

Have, you contacted the BOSCH corporate office?

awaiting for a corporate representative to call me back.
The customer service is a joke and a bunch of mindless idiots that don't understand about being licensed and insured.
Bosch says there licensed but they are licensed with Bosch and not DBPR.
Also Bosch said they can't force the contractor to produce insurance certificates and they don't monitor insurances of these contractor. NICE!!!

[Retiring]

Thank you chellybean for your post. I found their response to your reasonable request outrageous. I have not done business with Goldman Appliance and never will do business with Goldman Appliance. I come from a contractor family and asking for insurance is quite common. My brother and dad always have several copies on hand. This appliance company may have all the required coverage but they just showed their hand for customer service. Sadly, with the large TV population they will do just fine. Many companies survive on one-time customers.

In standard TOTV fashion, I’m sure there will be posters praising this store to the heavens as the greatest appliance store in the history of mankind. To those posters, I’m happy for you.

[Chellybean]

Thank you chellybean for your post. I found their response to your reasonable request outrageous. I have not done business with Goldman Appliance and never will do business with Goldman Appliance. I come from a contractor family and asking for insurance is quite common. My brother and dad always have several copies on hand. This appliance company may have all the required coverage but they just showed their hand for customer service. Sadly, with the large TV population they will do just fine. Many companies survive on one-time customers.

In standard TOTV fashion, I’m sure there will be posters praising this store to the heavens as the greatest appliance store in the history of mankind. To those posters, I’m happy for you.

Finally a wiseman and understands not letting unlicensed and uninsured contractors on your property.
I also come from a long line of family contractors.

[Chatbrat]

Also-any unlicensed person who gets injured while working on your property can sue the "homeowner" for damages-beware when hiring local yokels--working out of a pick-up truck with magnetic signs

[Sandtrap328]

No i am forcing Bosch to send a licensed contractor and someone that will produce a Insurance certificate.
It is your call to have a unlicensed contractor or a uninsured contractor to enter your property.
People do it all the time and suffer the consequences.

Goldman said they were fully insured and licensed. Bosch had all their information.

So you would rather risk a fire in your home from a dishwasher cord than to have it replaced by a qualified technician whose company stated they have the insurance and license on file but would not show them to you???

[Chellybean]

Goldman said they were fully insured and licensed. Bosch had all their information.

So you would rather risk a fire in your home from a dishwasher cord than to have it replaced by a qualified technician whose company stated they have the insurance and license on file but would not show them to you???

You're obviously the typical villager that would buy what is told to you.
What proof is there they are qualified technicians and are insured.
The proof is in the pudding friend!
If a contractor is not willing to give you a copy of there insurance certificate or is not state licensed which is no easy task then it is a huge red flag.
I guess there are alot of villagers that would allow someone to come in there home and do a repair not knowing if it is done right or creating another fire hazard.
Good luck my friend you will need it.

P.s. the courts are full of lawsuit from unlicensed contractors and losses due to there work. If they don't have insurance or any assets to attach you are in a lot of trouble.
Including if they slip and fall on your property you can be sued!

[bimmertl]

Also-any unlicensed person who gets injured while working on your property can sue the "homeowner" for damages-beware when hiring local yokels--working out of a pick-up truck with magnetic signs

The fact they are licensed doesn't preclude them from suing you. If you back your car into the Massey service person , you are going to get sued. And if he's insured for his injuries by workers comp and the workers comp carrier pays for his medical bills and disability, they will also be coming after you.

So don't be fooled that a contractor being licensed and insured protects you from being sued if somebody is injured on your property, it doesn't.

[Chellybean]

The fact they are licensed doesn't preclude them from suing you. If you back your car into the Massey service person , you are going to get sued. And if he's insured for his injuries by workers comp and the workers comp carrier pays for his medical bills and disability, they will also be coming after you.

So don't be fooled that a contractor being licensed and insured protects you from being sued if somebody is injured on your property, it doesn't.

Well said and your point is correct.
I would rather be in the arena of a licensed contractor and a insured business then not.
negligence is the name of the game.
Well spoken friend!

[retiredguy123]

I have an insurance card from my auto insurance company, but that doesn't prove that I am insured because I may be behind in my payments. I am a pretty careful person, but I think it would be way too much trouble to verify that every contractor I hire actually has current insurance and how much they are covered for. When you have a sofa or tv delivered to your house, do you require the store to prove they have current insurance? How often do you verify that the company who cuts your grass is current on his insurance? Legally, I believe that as long as you do business with a bona fide company, insured or not, you at very low risk for being successfully sued for liability. Also, that is what your homeowners liability insurance is for, and I have plenty of that.

[gap2415]

What models of Bosch are recalled? What years?

[Chellybean]

What models of Bosch are recalled? What years?

go to Bosch web site and put in your model number and serial number there is 666,000 recalled

[Chellybean]

I have an insurance card from my auto insurance company, but that doesn't prove that I am insured because I may be behind in my payments. I am a pretty careful person, but I think it would be way too much trouble to verify that every contractor I hire actually has current insurance and how much they are covered for. When you have a sofa or tv delivered to your house, do you require the store to prove they have current insurance? How often do you verify that the company who cuts your grass is current on his insurance? Legally, I believe that as long as you do business with a bona fide company, insured or not, you at very low risk for being successfully sued for liability. Also, that is what your homeowners liability insurance is for, and I have plenty of that.

You better check your homeowners insurance Friend! Alot of carriers have a exclusion for outside contractors that aren't licensed and insured. you can be personal sued friend and i hope you have deep pockets if it is to much trouble to check.
Normally any contractor worth his salt has a insurance certificate with them and a phone number on the certificate which is a simple call to the carrier to see if the policy is current.
Then if you are sued there chances of being successful goes way down.
Just some friendly FYI.
It sounds like you don't like living in my world but i couldn't live in yours either friend, unfortunately we live in a sue happy area. just watch the commercials and billboards in the area.
Good luck my friend!

[Wiotte]

There is a tile installer on this board who has had mixed reviews. I called him for an estimate and to please supply us with an insurance certificate when he comes. I confirmed the day before and to make sure he had it. He gave me some mumbo jumbo, so I cancelled.


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[Chellybean]

There is a tile installer on this board who has had mixed reviews. I called him for an estimate and to please supply us with an insurance certificate when he comes. I confirmed the day before and to make sure he had it. He gave me some mumbo jumbo, so I cancelled.


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Smart Move! Insurance isn't cheap and especially if they have a bad record or claims, it is impossible for a contractor to get.
It is smart to beware.

[Bryan]

Liability insurance for a business is important and any business that has it should be happy to provide proof (their brokers names or a copy of their policy). More importantly to homeowners is Workers Comp insurance. If they don't have that, the homeowner may be liable for any injuries employees of the contractor suffer on their property. And companies with workers comp insurance in Florida are supposed to have a card (very similar to you auto no fault insurance card) to show you on request. Ask for their proof of workers comp insurance and, if they don't produce it, kick them off your property. DBPR does not have a license category for "appliance repair" so I would not expect them to have a license for that.

[allfourgators]

This is in response to the claims from Chellybean:
Goldman Appliances, Inc. has had a presence in Marion County for over 100 years. We are insured and carry all the necessary licenses required by our State, County and City. We go through background checks and drug testing as required by the manufacturers to maintain our Authorized Servicer Status.
When this customer called our office, he informed us “We were not to come on his property without giving him our liability insurance and license.” To us, this raises a Big Red Flag. He has every right to ask for this information but really it all comes down to the approach. We have had our business identity compromised in the past and we just do not hand it out to everyone. Our insurance company requires a form to be filled out by the requester so that it is on file at their office. We did not go that far because we knew we were not going to do his service work. I tried to word the email as professional as possible as not to provoke or accuse him. What you haven’t seen are the caustic emails he has sent to us. We have every right to refuse service and we executed that right in this customer’s case.
As far as the DBPR license, we have verified with State, our attorney and the DBPR office that we do not need a license under their umbrella. The statement as follows
“ The information you are publishing regarding Goldman Appliance’s licensing status is false. Goldman Appliances does not provide any services that require licensing by the Department of Professional Regulation (DPBR) or the Construction Industry Licensing Board as evidenced by this opinion from the Board. “[T]he Board hereby issues a declaratory statement that a license is not required to service an appliance that is designed to be plugged in to an electrical socket when the appliance is not part of the structure.” In Re: The Petition for Declaratory Statement of Dennis J. Haggerty, STATE OF FLORIDA CONSTRUCTION INDUSTRY LICENSING BOARD, DS 2012-079.”
We enjoy a wonderful reputation in and around Marion County and are blessed to have generational family customer base. Thank you to the Talk of the Villages for allowing us to respond.

[Investment Painting Contractors]

This is in response to the claims from Chellybean:
Goldman Appliances, Inc. has had a presence in Marion County for over 100 years. We are insured and carry all the necessary licenses required by our State, County and City. We go through background checks and drug testing as required by the manufacturers to maintain our Authorized Servicer Status.
When this customer called our office, he informed us “We were not to come on his property without giving him our liability insurance and license.” To us, this raises a Big Red Flag. He has every right to ask for this information but really it all comes down to the approach. We have had our business identity compromised in the past and we just do not hand it out to everyone. Our insurance company requires a form to be filled out by the requester so that it is on file at their office. We did not go that far because we knew we were not going to do his service work. I tried to word the email as professional as possible as not to provoke or accuse him. What you haven’t seen are the caustic emails he has sent to us. We have every right to refuse service and we executed that right in this customer’s case.
As far as the DBPR license, we have verified with State, our attorney and the DBPR office that we do not need a license under their umbrella. The statement as follows
“ The information you are publishing regarding Goldman Appliance’s licensing status is false. Goldman Appliances does not provide any services that require licensing by the Department of Professional Regulation (DPBR) or the Construction Industry Licensing Board as evidenced by this opinion from the Board. “[T]he Board hereby issues a declaratory statement that a license is not required to service an appliance that is designed to be plugged in to an electrical socket when the appliance is not part of the structure.” In Re: The Petition for Declaratory Statement of Dennis J. Haggerty, STATE OF FLORIDA CONSTRUCTION INDUSTRY LICENSING BOARD, DS 2012-079.”
We enjoy a wonderful reputation in and around Marion County and are blessed to have generational family customer base. Thank you to the Talk of the Villages for allowing us to respond.
Amen!!! When you can see that you are going to have trouble with the customer from the beginning it's better to walk away. After over fifty years in the business I find that its less headaches that way. While I'm at it there is no LICENSES for painters either, so I'm CONFUSED at all the painters listed with LICENSES in the paper, where did they get them?

[Chellybean]

This is in response to the claims from Chellybean:
Goldman Appliances, Inc. has had a presence in Marion County for over 100 years. We are insured and carry all the necessary licenses required by our State, County and City. We go through background checks and drug testing as required by the manufacturers to maintain our Authorized Servicer Status.
When this customer called our office, he informed us “We were not to come on his property without giving him our liability insurance and license.” To us, this raises a Big Red Flag. He has every right to ask for this information but really it all comes down to the approach. We have had our business identity compromised in the past and we just do not hand it out to everyone. Our insurance company requires a form to be filled out by the requester so that it is on file at their office. We did not go that far because we knew we were not going to do his service work. I tried to word the email as professional as possible as not to provoke or accuse him. What you haven’t seen are the caustic emails he has sent to us. We have every right to refuse service and we executed that right in this customer’s case.
As far as the DBPR license, we have verified with State, our attorney and the DBPR office that we do not need a license under their umbrella. The statement as follows
“ The information you are publishing regarding Goldman Appliance’s licensing status is false. Goldman Appliances does not provide any services that require licensing by the Department of Professional Regulation (DPBR) or the Construction Industry Licensing Board as evidenced by this opinion from the Board. “[T]he Board hereby issues a declaratory statement that a license is not required to service an appliance that is designed to be plugged in to an electrical socket when the appliance is not part of the structure.” In Re: The Petition for Declaratory Statement of Dennis J. Haggerty, STATE OF FLORIDA CONSTRUCTION INDUSTRY LICENSING BOARD, DS 2012-079.”
We enjoy a wonderful reputation in and around Marion County and are blessed to have generational family customer base. Thank you to the Talk of the Villages for allowing us to respond.

Asking for someones insurance certificate should not be a problem and having it can not constitute fraud in any manor.
Your email also said you where licensed which you are not licensed with the state of Florida which you implied.
Also DBPR is also very clear on being licensed to work on a refrigeration system and opening a system which requires a class "A" or a Class "B" license, (Which is stated in your Website you repair Refrigeration). Your direct refusal to supply the minimum of a insurance certificate should raise a red flag to anyone not to mention Worker Compensation or a proper state exemption.
And as for a 100 years in business doesn't prove any of your qualification Period.
A DBPR license requires, Schooling, Training, proving your years of experience and who you worked for as a apprentice, etc... including taking a extensive Florida State test to achieve proof of your technical ability's.
Including proper credit report with a credit score above 660 or you need to be bonded to hold a license and a back ground check of NO criminal history.
My Friend this is what a state License achieves for your customers!
As i said the proof is in the pudding.
Nothing in the email has been misrepresented just the facts.
You have continuously evaded the truth and when people call Bosch and get the run around and Bosch can not submit any insurance certificates for them or for your company this should Raise A HUGH RED FLAG for who the customer should let into there home which is the customers choice.
I had simply said NO ONE enters my property without being Licensed and a Insurance certificate of Liability.
If this is offensive to you i would suggest you get into another line of work.
When people go into an attorneys office or a electrical shop they want the sheep skin to prove it.
Have a great day my friend it seems you are the one hostel in a correspondent.
This Forum is here to warn Villagers of potential risk which i have done in this Forum.
The way someone runs there business or letting people into there home is there business. I have only pointed out the risk to do so.
I would recommend you start supplying customers with your liability certificate and your so called licenses including workers comp. All this is a a state requirement in the state of Florida under Statue 489 and 455.
Have a great Day.

[allfourgators]

Appliance Repair Service again is not regulated by the DBPR. And as we said regarding doing your service work and requesting information, it is all in the approach. And it seems we were correct. It is sad you feel the need to spread false information as fact. Again, we have checked with the State of Florida, our attorney and the DBPR. We are in full compliance. We hold a license for everything we are required to. The quote in our response is straight from the DBPR.

[Chellybean]

Amen!!! When you can see that you are going to have trouble with the customer from the beginning it's better to walk away. After over fifty years in the business I find that its less headaches that way. While I'm at it there is no LICENSES for painters either, so I'm CONFUSED at all the painters listed with LICENSES in the paper, where did they get them?

If you consider having trouble with a customer by asking for there insurance certificate only sends a message someone does not have insurance or proper workers compensation or a state exemption form, which is required by Florida State Law.
There are a lot of tile workers and Painters that don't carry insurance or workers comp. and have been in business for years!
If they come on your property and cause damage (spill Paint etc...) you have a real problem!
Again it is the contractors choice to work for a customer that requires proof of insurance and it is the customers choice to allow someone on there property without it.
Personally i would not have any problem supplying this to a customer to reassure them we are professional and trust worthy and have all the proper State requirements.
Have a great day my friend i don't think you could work for me either if you didn't provide a insurance certificate.
Again this forum is to only give the unsuspected Villager a heads up.
If you are a Village Contractor working for the Villages directly you couldn't get any where near there organization without Millions of dollars of insurance and all the proper License's and worker comp.
Have a great day!

[Investment Painting Contractors]

If you consider having trouble with a customer by asking for there insurance certificate only sends a message someone does not have insurance or proper workers compensation or a state exemption form, which is required by Florida State Law.
There are a lot of tile workers and Painters that don't carry insurance or workers comp. and have been in business for years!
If they come on your property and cause damage (spill Paint etc...) you have a real problem!
Again it is the contractors choice to work for a customer that requires proof of insurance and it is the customers choice to allow someone on there property without it.
Personally i would not have any problem supplying this to a customer to reassure them we are professional and trust worthy and have all the proper State requirements.
Have a great day my friend i don't think you could work for me either if you didn't provide a insurance certificate.
Again this forum is to only give the unsuspected Villager a heads up.
If you are a Village Contractor working for the Villages directly you couldn't get any where near there organization without Millions of dollars of insurance and all the proper License's and worker comp.
Have a great day!
For your information Investment Painting carries a 2 million dollar umbrella policy plus workers comp. and I don't think we could work for you. I'm Len the retired half of the company

[Chellybean]

Appliance Repair Service again is not regulated by the DBPR. And as we said regarding doing your service work and requesting information, it is all in the approach. And it seems we were correct. It is sad you feel the need to spread false information as fact. Again, we have checked with the State of Florida, our attorney and the DBPR. We are in full compliance. We hold a license for everything we are required to. The quote in our response is straight from the DBPR.

I am sorry you didn't like my approach asking for a insurance certificate and license before entering my property. Maybe i should of used the words would you please!
I will take it under advisement!
Again you said your Licensed, What license and from who. Bosch or any other manufacture has NO Authority in the state of Florida to supply any licenses to work in the state of Florida.
As for DBPR applinace repair is a very gray area and it is My understanding that DBPR is reworking this part of the statue and for Refrigeration repair the DBPR is very clear. But you still advertise working on refrigeration, Hmmm. You haven't addressed that yet.
Good luck my friend you need it!

[Chellybean]

For your information Investment Painting carries a 2 million dollar umbrella policy plus workers comp. and I don't think we could work for you. I'm Len the retired half of the company

Great Len i am glad you have the proper insurance and workers comp.
I am sure you wouldn't have any problem supplying this to a customer if they asked for it.
There is alot of Villagers that have expensive carpets, furniture etc.... And if you have been in business as long as you say you have, Chit happens and Human beings make mistakes and this is why the state requires a business owner to have liability insurance if the business owner doesn't step to the plate and cover the damage first, which is the honorable thing to do in business. I am sure you would agree.
Have a great day!

[Bonny]

If you consider having trouble with a customer by asking for there insurance certificate only sends a message someone does not have insurance or proper workers compensation or a state exemption form, which is required by Florida State Law.
There are a lot of tile workers and Painters that don't carry insurance or workers comp. and have been in business for years!
If they come on your property and cause damage (spill Paint etc...) you have a real problem!
Again it is the contractors choice to work for a customer that requires proof of insurance and it is the customers choice to allow someone on there property without it.
Personally i would not have any problem supplying this to a customer to reassure them we are professional and trust worthy and have all the proper State requirements.
Have a great day my friend i don't think you could work for me either if you didn't provide a insurance certificate.
Again this forum is to only give the unsuspected Villager a heads up.
If you are a Village Contractor working for the Villages directly you couldn't get any where near there organization without Millions of dollars of insurance and all the proper License's and worker comp.
Have a great day!
Wow, sounds like you really have some kind of personal vendetta regarding this company.

[Chellybean]

Wow, sounds like you really have some kind of personal vendetta regarding this company.

No not at all.
I am just stating facts and make villagers aware of the potential risk of hiring someone that is unlicensed and unwilling to supply there insurance certificate.
There is a great deal of elderly people in the villages that are kind and unsuspecting people and have been taken by alot of dishonest contractors.
Asking for a insurance certificate should not be a big deal.
I ask all my contractors for there insurance certificates and workers comp. and license if necessary and have never been refused up to now.
Just a heads up and FYI for everyone.
It is a personal choice in how you want to handle people that work for you.
Have a great day Bonny.

[CWGUY]

Wow, sounds like you really have some kind of personal vendetta regarding this company.

:agree:

[Chellybean]

:agree:

No i am sorry i really don't.
Just want to be sure i am dealing with a reputable licensed and insured contractor and don't want to learn from the hard school of knocks.
But everyone has a right to there opinion.
Have a good day.

[Bonny]

No i am sorry i really don't.
Just want to be sure i am dealing with a reputable licensed and insured contractor and don't want to learn from the hard school of knocks.
But everyone has a right to there opinion.
Have a good day.
You just sound so angry!!!!

[Chellybean]

You just sound so angry!!!!

Sorry i don't mean to sound that way, i am really not.
Sometimes emails and texts have no tones and it is hard to read someone. I am only expressing FYI for people.
Sorry that you feel that way.
i think i have said enough, this was only meant to raise public awareness.
Have a great day!

[CWGUY]

Wow, sounds like you really have some kind of personal vendetta regarding this company.

:agree:

Sorry i don't mean to sound that way, i am really not.
Sometimes emails and texts have no tones and it is hard to read someone. I am only expressing FYI for people.
Sorry that you feel that way.
i think i have said enough, this was only meant to raise public awareness.
Have a great day!

:thumbup: I agree with you too!