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Started By
Message
Licensed and Insured Contractors!
Posted on 8/18/16 at 12:59 pm
Posted on 8/18/16 at 12:59 pm
I know all this sucks for a lot of people. But I've already seen sketchy stuff going down. There are going to be a ton of out of town contractors coming in to do restoration work, and truthfully we'll need the help to get it all done. But please folks, remember to demand a Louisiana license number and a copy of the certificate of insurance before having anyone do work on your home.
You can check licenses here [link=(lslbc.louisiana.gov)]Louisiana State Licensing Board[/link] Lslbc has a fantastic and very easy to use website. It will tell you what licenses they hold. If you're hiring a guy to do renovations, make sure he holds a full license and not just a certificate. A lot of handyman type guys get certificates. Also if you had water above your outlets, make sure they are inspected by a licensed electrician.
Call the number on the certificate of insurance and confirm that the policy is in good standing.
If anything happens to your home, and your contractor has neither of the above, there is basically nothing you can do about it. Use the resources on the LSLBC website for a ton of useful information.
You can check licenses here [link=(lslbc.louisiana.gov)]Louisiana State Licensing Board[/link] Lslbc has a fantastic and very easy to use website. It will tell you what licenses they hold. If you're hiring a guy to do renovations, make sure he holds a full license and not just a certificate. A lot of handyman type guys get certificates. Also if you had water above your outlets, make sure they are inspected by a licensed electrician.
Call the number on the certificate of insurance and confirm that the policy is in good standing.
If anything happens to your home, and your contractor has neither of the above, there is basically nothing you can do about it. Use the resources on the LSLBC website for a ton of useful information.
3
Posted on 8/18/16 at 1:01 pm to elprez00
Also, a lot of disaster repairs are tax deductible. There are IRS forms you can fill out to detail expenses. I'll find them and post when I get home. Make sure you get invoices or receipts for anything you do.
Posted on 8/18/16 at 1:02 pm to elprez00
good info, but a LA license is not required for work under $50K, which all of this demo will be under
however, if you hire ANYONE, and they are working in or on your property, and they do not have insurance, you will be liable for any injury or death that could occur.
so...to recap
1) dont worry about a license ofor demo, just get it done
2) make sure they have GL & WC insurance
however, if you hire ANYONE, and they are working in or on your property, and they do not have insurance, you will be liable for any injury or death that could occur.
so...to recap
1) dont worry about a license ofor demo, just get it done
2) make sure they have GL & WC insurance
Posted on 8/18/16 at 1:05 pm to cgrand
quote:
however, if you hire ANYONE, and they are working in or on your property, and they do not have insurance, you will be liable for any injury or death that could occur.
really?
Posted on 8/18/16 at 1:07 pm to cgrand
quote:
1) dont worry about a license ofor demo, just get it done
This is correct for demo work. However if you are having electrical or mechanical work done that threshold is $15k.
I still highly recommend sticking with licensed contractors. There is a comfort level and built in protections you will have there you won't have with an unlicensed guy.
This post was edited on 8/18/16 at 1:12 pm
Posted on 8/18/16 at 1:08 pm to SFVtiger
quote:
really
Really. You'll also be liable if they arse up your house and do shitty work, or say your house burns down because of shitty work.
Posted on 8/18/16 at 1:11 pm to elprez00
i'll say this. probably 75% of these artisan guys running around have class code limitation endorsements on their policies, meaning they are only insured for specified classes that they originally were insured for. Don't assume Jose's carpentry's GL policy automatically covers electrical work or plumbing and so forth.
Posted on 8/18/16 at 1:12 pm to Chad504boy
Absolutely Chad. That info will be stated on their info when you look it up on the LSLBC site.
Posted on 8/18/16 at 1:14 pm to Chad504boy
youre right im not residential i wasnt aware of that
however the point stands, LSLBC is not checking licenses for demo, and neither should homeowners. just get the demo done whatever way you can
whats important here is insurance, not a license.
the consumer is not at risk for fines by hiring an unlicensed contractor, but they are at risk for injury on property
however the point stands, LSLBC is not checking licenses for demo, and neither should homeowners. just get the demo done whatever way you can
whats important here is insurance, not a license.
the consumer is not at risk for fines by hiring an unlicensed contractor, but they are at risk for injury on property
Posted on 8/18/16 at 1:16 pm to elprez00
and for any contractor that shows you a certificate of insurance for $100,000 per occurrence... ask them to leave your premise immediately.
Posted on 8/18/16 at 1:17 pm to SFVtiger
quote:
really?
You could be held liable if a worker is injured if the contractor does not carry Workman's Comp.
Fact
This post was edited on 8/18/16 at 1:17 pm
Posted on 8/18/16 at 1:32 pm to cgrand
quote:
good info, but a LA license is not required for work under $50K, which all of this demo will be under
$7500 now actually
They have a home remodelers license for anything over $7500 and under $75,000. After that, you have to get a residential GC license.
LINK
Posted on 8/18/16 at 1:35 pm to cgrand
While technically true for a certain level of cost, everyone has the right to demand a lic contractor perform any work. I suggest a lic contractor for ANY work.
frick any advice contrary to this.
frick any advice contrary to this.
This post was edited on 8/18/16 at 1:38 pm
Posted on 8/18/16 at 1:37 pm to elprez00
This thread should definitely be stuck to the top of the page.
General Public knowledge about these issues is very limited. VERY limited, IMHO, and the general public needs to know this info now more than ever.
General Public knowledge about these issues is very limited. VERY limited, IMHO, and the general public needs to know this info now more than ever.
Posted on 8/18/16 at 1:39 pm to doubleb
actually, unless a homeowner's trade, business or occupation is restoring houses, then he is not liable for injuries to an independent contractor, or employee of an independent contractor. fact.
as to premises defects, if an worker is hired to remedy a defect, unless the homeowner is in a superior position to know of its dangers, there is no tort liability. fact.
of course you may have to defend these claims, and I agree you should require the contractor to have insurance, but your statement of the law is wrong. fact.
as to premises defects, if an worker is hired to remedy a defect, unless the homeowner is in a superior position to know of its dangers, there is no tort liability. fact.
of course you may have to defend these claims, and I agree you should require the contractor to have insurance, but your statement of the law is wrong. fact.
Posted on 8/18/16 at 1:42 pm to elprez00
you are not "liable" for shitty work done on your own house. You may be on the hook w/o a remedy if the contractor does not have a performance bond.
of course I agree a performance bond should be in place.
of course I agree a performance bond should be in place.
Posted on 8/18/16 at 1:43 pm to SFVtiger
quote:
a performance bond should be in place.
Posted on 8/18/16 at 1:43 pm to CharlesLSU
quote:
I suggest a lic contractor for ANY work.
To be fair, the LSLBC started a money grab not too long ago and they have really micro-managed classifications that operated fine for years without regulation. They are going to put some good companies out of work IMO. They just added forming and concrete finishing as two more separate classifications. I get why but then I also see it as impeding commerce to some degree.
Texas as a state let's local Governments decide how to handle their licensing and they only have 1 requirement as a state to be a contractor and that's to buy a $20K bond. Seems like they do fine without having a shitload of state workers that they have to create classifications for to subsidize.
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