Dangers of Hiring an Unlicensed Contractor

Maybe it’s a friend of a friend that needs work, or you’re just looking for a great deal on a home improvement project; no matter the reason, hiring an unlicensed contractor is never worth it. Here are three potential scenarios that could arise from working with one.

Homeowners Insurance Won’t Cover You

Imagine something goes wrong with your project. Whether there’s a sewer line break or a wall falls and injures someone, your existing insurance won’t cover you. You’ll be paying potential fines and medical bills out of your own pocket.

You Won’t Be Able To Sell the House

When you try to sell your home you have to provide information and show all the permits for any additions or changes you’ve made to the property. If you can’t show that the work was done by a licensed contractor, it’s unlikely that you’ll find a buyer willing to take on the risk of the home. Not only that, you won’t find a realtor willing to represent you.

You May Have To Remove or Redo the Work

If your neighbor isn’t happy with the work you’re doing and decides to call it in, you could be held liable for fines and penalties. You’ll also either have to remove all the changes or you will have to hire a licensed contractor to submit the permits and redo all the work.

The risks of an unlicensed contractor far outweigh any benefits.

Summertime Home Maintenance Tips

Warm weather can make summer the most enjoyable time of the year. However, it can present a few challenges for homeowners. Here are some important things that you can do proactively to take care of your home in the summertime.

Get Preventative Maintenance for Your HVAC System

Using your air conditioning more can take a toll on your HVAC system. An overburdened or inefficient system can cause flooding near your air handler. Routine maintenance may help you avoid problems.

Clean Your Gutters

In a lot of regions, summer brings higher rainfall. Gutter maintenance is one of the most important but often overlooked summer homeowner tips. Make sure your home’s gutters are clean to prevent obstructions that can lead to leaks against your home’s foundation.

Protect Your Home From Pests

Warmer temperatures may cause a surge in your local insect population. Scheduling regular visits with an exterminator will create a protective barrier to keep out pests such as termites. These insect intruders can cause serious damage to your home. Also, be sure any windows that you plan on keeping open have screens covering them to keep out flying insects.

Put some thought into how warmer or rainier weather can affect your home. Some smart planning can enable you to avoid inconvenience or costly repair and help you enjoy your summer.

Why You Need Construction Bonds for Your Next Project

Sometimes construction projects may run into regrettable snags. For example, financial issues may arise when the contractor fails to complete a project on time or meet contract specifications. Fortunately, construction bonds can help mitigate the effects of these types of disruptions. So, what are construction bonds? Simply put, they are a type of surety bond within the construction industry used to protect companies against unplanned interferences or delays. If you’re not familiar with construction bonds, then here are a few things to consider before you begin your next project.

Required Bonds

According to https://www.danielsinsuranceinc.com/, Contractor License Bonds are required by the state before you begin work on anything. These bonds ensure that all required licensing is complete before the project’s start date. If contractors aren’t adequately licensed, you may be liable for any penalties, fines or legal action incurred on the site. Contractors must also obtain Payment Bonds on projects exceeding $100,000. This requirement applies to both residential and public projects.

Optional Bonds

Many other bonds are optional; however, they could still benefit your next construction site. Some of these voluntary bonds include:

  • Bid Bonds – ensure the contractor stands by the awarded contract amount.
  • Subdivision Bonds – require contractors to begin work on subdivisions appropriately and within existing streets, sidewalks and waste management systems.
  • Performance Bonds – guarantee the completion of a project within the specified timeline on the contact.
  • Supply Bonds – ensure contractors obtain suitable supplies and materials.
  • Maintenance Bonds – protect the project owner from design imperfections and other failures.

The Truth About Home Insurance

The Truth About Home Insurance

Home insurance is one of the most important investments when you’re a homeowner. This is your safety net. Without the right amount of Connecticut home insurance, you could lose a lot of money on your house. Knowing the myths can help you to learn what policies and how much insurance you need.

Home Insurance Is a Waste of Money

Home insurance is your safety net! You need to think about how much it could cost you if you have to rebuild your home. Accidents and natural disasters happen. You might not want to think about it, but having a lack of insurance is devastating.

Your Belongings Are Covered

Home insurance can protect your belongings. You do have to keep in mind, however, that some valuables might only have a small amount of insurance.

You Should Insure at Market Value

You do not insure for your home’s market value. Instead, you take every cost associated with the repair or rebuild of your home and you insure for those costs. Home insurance is crucial when you’re a homeowner. To find the right policies and to make sure that you aren’t underinsured it’s important to know the different myths about home insurance. You deserve to invest in Connecticut home insurance that you can trust.