I also heard good things about Covenant and Desmond, so I called for an estimate for cleaning, sanding and sealing my brick paver driveway.

However, he failed a critical test. It appears that he does not carry business liability and workman's compensation insurance. He says he said he does, but he would not provide proof of insurance with a Certificate of Insurance (COI). THIS IS A RED FLAG IN HIRING A CONTRACTOR.

Every other contractor I have hired in The Villages provided me with the requested COI along with their bid for the project.

People should be aware that if a contractor or his employees get hurt on your property, you could be sued for workman's comp and medical expenses. I saw a previous neighbor of mine go through an extended lawsuit for this type of situation.

So, if you chose to hire a contractor without insurance, caveat emptor!