Nextdoor.com is a great place to voice any complaints/ praises. Or go to The Villages Friendly Folks for the same info

That is what happened to me (VIP Home Improvement) when we bought a home - the contractor lied and said he was licensed/bonded/insured - and he was not! After the fact I went to the permit department and was told about an APP that you can input persons name and it will give you info - the app is: DBPRMobile - anytime I hire some now I check them out on the app and go to BBB and also call Seniors Vs Crime. Best to check everyone out here in Florida!!! BEEARE!!!

It’s very easy to verify insurance. Ask the contractor for a copy of their COI. From there you can call their insurance company to see if their policy is still valid.

New slogan:
STAY AWAY FROM FRANK GAY PLUMBING!!!

Not entirely true. T&D Pools is certainly a reputable, large, contractor. If you want them to build you a pool at an existing homesite, expect to drop a large deposit before they break out any equipment.

You are getting what you pay for. Cheap work prices with no contractor licensing.
licenced contractors have very high overhead, and that cost is transferred to the homeowner. There are no bargains out there.

Isn't there a difference between contractor's liability insurance and worker compensation insurance?

well that depends which forum you've looked at. if it's FB all the groups except for 1 that have to do with TV are ran by overcompensating politically correct moderators that don't even live in TV. there is 1 group that allows the ability to say whatever you want without it being deleted.

Other that the section on here for that type of information, the rest of the TV world is governed heavily.

There are several types of insurance... inland marine (covers their equipment), auto, and liability.

None of that covers you if a worker falls off of your roof and your contractor does not have Work Comp insurance.

That can be very risky, particularly in the area of workers compensation insurance. If a homeowner hires a contractor to do work on their home, and the contractor is uninsured, the homeowner could very well be assuming liability for any worker injury that occurs on their property. In the hierarchy of liability, if a subcontractor is uninsured, liability will flow upward to the prime, or general, contractor...in this case, the homeowner.

Also, it is easy, and prudent, to ask any contractor to provide you with a certificate of insurance. A simple call to the insurance company will verify that the coverage is valid. Reputable contractors are quite accustomed to providing these certificates.

I would be very leary of Nextdoor it seems to be a platform for scammers.

Caveat emptor. You need to do the research these days.

All I can say is do your homework it’s easy enough now. This day and age you can’t trust anybody and that’s a shame but that is life.

Better Business Bureau

Thanks. This topic is very confusing. I found that, in Florida,

“As a general rule, one who hires an independent contractor is not liable for injuries sustained by that contractor’s employees in performing their work.”

It is also unclear whether your homeowners liability insurance will cover an injured worker. But, the next time I hire a contractor, I will ask for a certificate of insurance and see what happens. But, even if you verify the insurance coverage and workers compensation, you will never know if every worker who shows up on your property is actually on the contractor's payroll. And, even if they are, an injured worker can refuse to accept the workers compensation offered and sue the employer. I think I am like most people who do not require proof that contractors are insured for most small projects.