While the laws for a contractor’s license differs by state, in most cases, a license is required to do any type of skilled labor on another person’s home or property. For instance, an electrician, a plumber, or a drywaller may be required to have a license. Someone performing a variety of tasks may need to obtain a general contractor’s license. The state may impose specific requirements such as minimum education or work experience to obtain a license. The state may also require that the contractor take an examination with different levels of licensing for the right to do different size jobs. In addition, the state may require that the contractor has an active worker’s compensation insurance policy for a license to be issued.
Is the contractor license & insured?
Coops don’t always ask for licensing, but the homeowner will only endure recourse if the contractor is licensed by the New York City Department of Consumer Affairs.
There are two common types: liability insurance and workers’ compensation.
Liability insurance covers such situations as contractor-caused damage to your property, although it doesn’t typically pay for repairing or replacing shoddy work. That is the reason for the bond.
Workers’ compensation provides payment to injured workers for lost wages and medical services, regardless of who was at fault. Workers’ compensation coverage will also provide benefits to the contractor’s family in the event of a work-related death.
If the contractor says he is insured, you should ask the following questions about his coverage:
Does the contractor’s insurance cover his workers should they become injured?
Does the contractor’s insurance cover you, your family and any visitors to your home if they are injured on the work site?
Tips for choosing an insured contractor
Homeowners need to watch out for dishonest contractors who might also be fraudulent and disappear after only doing a small portion of the work. The following should ensure that you get a legitimate worker and that the job gets done correctly.
Check out the BBB Business Reviews at BBB.org.
Ask for references from friends or neighbors who have had similar work done.
If possible, talk to past customers of the business to find out what kind of experiences they had.
Make sure everything is in writing, and read the fine print.
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Knockout Renovation
info@knockoutrenovation.com
www.knockoutrenovation.com
Knockout Renovation is Celebrating 23 years of doing business in New York City
Offering all-in-one design, products and remodeling has made Knockout Renovation the favorite for shows like Rachael Ray and Queer Eye For The Straight Guy.
Call today and see what we can do for your Manhattan or Brooklyn apartment: (212) 599-5060.
Knockout Renovation
info@knockoutrenovation.com
www.knockoutrenovation.com
Company Background
Since being founded in 1992 by owner Keith Steier, Knockout Renovation has completed countless renovation projects throughout Manhattan and Brooklyn, ranging from kitchens to the renovation of entire coops, condos and private homes. Our work has been featured on The Rachael Ray Show, Queer Eye for the Straight Guy, CBS-TV, The New York Times, The New York Daily News, and numerous other media outlets.
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