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NJ, we make it harder for everyone should be the state's slogan.
Just be careful.
Have you read every inch of your insurance policy?? My guess is they would not cover claims as a result of a handyman's Air Huarache Shoes
I wouldn't count on insurance to cover you if you are breaking rules/laws.
Insurance: How much cheaper is he than an insured guy? Figure out your worst case scenario with respect to the handyman not having insurance, and decide if it's worth it based on the savings you'll receive If he'll just be painting an empty apartment, the risk is probably pretty low. If he'll be dealing Nike Air Huarache 2kfilth Elite Mid
with electrical or HVAC, there the risk of killing himself or someone else. If he'll be working inside an occupied property, there's the risk he (accidentally or otherwise) hurts someone while completing the repair. Are you willing to deal with the worst case scenario in return for the savings you'll be receiving?
You can save a lot of money if you find the right people. I just had a guy paint a three bedroom bungalow with a dining room. He painted every surface including the basement walls and both staircases for $500 labor. It looks good too. Try finding a licensed and insured guy to do that. Would be more like $1,200. There are some good handymen out there (I have one) but there are a LOT of bad ones! If your PM is going to have to manage your handyman, he's going to want to know that they aren't Nike Huarache Navy Blue And Yellow going to cause problems. It's probably a lot simpler for him to stick with his regulars. All that aside, if their price is too high, you might have to get a new PM. Just a thought.
License: Do handymen in your area need to be licensed to operate legally? They don't in my area, and don't in many areas I'm familiar with (though they are required in some areas). If not required, this shouldn't be a major concern.
Yes in NJ since about 2006 anyone working in or around a home needs to be licensed by the state Dept. of Consumer Affairs, even landscapers, painters handymen.
So I wouldn't depend on your insurance bailing you out from using a handyman. Handymen can be okay to use for certain things. When they start going from painting to electrical or plumbing etc. that's when you can get into big trouble. A common misconception as a landlord is the handyman did good at painting or this other basic function so let's use them for everything and really start saving the dough!
to cover anything unforeseen. I'm not sure that helps but I thought I'd throw it in. If the worker has liability insurance only, that still does not cover the worker for injuries on the job. Only workers comp covers injuries on the job.
Yes, some jake leg can get you in trouble or the PM if they hire them.
A lot of the fly by night guys can't or wont get legal due to other issues, they are on the lamb, or on SSI or SS and don't want to claim any income and mess up their benefits.
The PM doesn't want the liability of "hiring" the handyman, something happening and then PM gets dragged into a suit with you. Sounds pretty reasonable to me.
The fly by nights wont be RRP certified either.
repair. Insurance companies are notorious for looking for outs to not pay something. Why do you think they have so many rules and processes?? One misstep and they can deny the claim. Some deny it anyways even if you do everything right.
Basic handyman liability for 1 million only costs about $1K a year, the license another hundred or two.
As far as the insurance goes. I had a really interesting conversation with an insurance provider a few years ago (when I was a licensed contractor) that told me that I was actually at a HIGHER risk than the uninsured guys because lawyers follow the money. I still opted to carry the insurance but I was shocked to hear that. Now that I'm not an active contractor (I hire it out now), I carry a personal umbrella policy of $1M that only costs about $30 per month Nike Air Huarache For Girls
Any landlord who has been around has used such workers to some extent I'd say. I used a retired guy for years that was a family friend and knowing nothing would ever really come back on me from his direction and I accepted his liability issues. That's usually not the norm. If I used others I was on site in direct supervision. The scope of the work will be a deciding factor as to who you should have and your risk tolerance. :)
I have unlicensed and uninsured guys working for me. I purchased a workmans's comp policy in case one of them were to get hurt. As far as a license, they are supposed to be licensed to do this type of work. Nobody would ever check, but if so, I'm licensed and they could work under mine.
I'd never allow a PM to contract work and send me a bill.
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