re: Home Improvement Question

I mean tell them my employees and not subs did the roof work and it falls under me and my policy.

If I were to mention that the roof crews were actually subs during an audit I have no doubt they would find a way to exclude the coverage because that's how the underwriters operate.

I may or may not pay my roof crews from a separate account so it doesn't show in my audit.

Shady but the insurance is so fricked that it's the only way you can come out on some stuff.