Originally Posted by
Rick Hurst
Jerry,
I've always heard different stories on this matter, but don't know for sure.
It was brought up one time at a seminar and the attorney said because we were there at the home for "hire", that the homeowners in-surance would not have to pay out.
It would be interesting to know for sure.
I can't speak for Texas or elsewhere, but in Florida, even if you "hire" some to do work on your house and they do not have workers compensation, your homeowners innsurance will be paying for that person should they become injured. Even the lawn guy doing your lawn.
That's one reason why, at least in Florida, you are told time and again to make sure your contractor (especially those small companies) has workers compensation innsurance ... that guy who got up on the roof to 'pressure clean it' and fell ... he's covered under your homeowners policy.