Follow Us:

Have Questions?
We have Answers

Click Here to send us a question
and to receive answers from our Experts

Should I Hire an Uninsured Contractor?

by Mike Dodd, Home Remodeling Expert
June 23, 2016

Question: I have chosen a remodeling contractor who has 5 star reviews from all his clients. However, he is not insured. Should I reject him on that basis?

Answer: Absolutely, positively you should reject the contractor that has no insurance coverage. Should something unforeseen occur on your property in the process of the project and, God forbid, someone is injured, you may very well be responsible for costs associated with the damages. Any legitimate professional contractor should have both workers compensation as well as general public liability coverage for his workers and company. To suggest that those requisite coverages are not necessary is akin to driving without a driver's license. A better analogy would be climbing a 10,000 foot mountain without a rope!

Mike Dodd is the founder and President of Lifewise Renovations, that combines home remodeling project management with the expertise of health care professionals, to make it possible live safely and comfortably at home regardless of age or physical ability. As a member of the National Association of Home Builders (NAHB), Mike holds the Certified Aging In Place Specialist (CAPS) designation.

See more of Mike Dodd's expert answers

Your Answers and Comments

Post your answer or comment
You must be logged in to post a comment

Previous Expert Q & A

More Previous Expert Q&A