Here are a few tips to help prevent you from filing a homeowner’s insurance claim.

Looking to hire a service provider?  Sites like craiglist.org can seem like a good idea at the time, but beware a liability scam could be just around the corner.  Imagine this, you hire someone you have never met before, they show up, and after working for 30 minutes, they sustain an injury.  They may fake the injury or do it on purpose, but since you have hired them on your property, you are not liable.

Uninsured or Underinsured service providers can be a major risk to homeowners. You have the liability portion of your homeowners insurance to protect you for legitimate claims, but no need to invite trouble into your home. Follow these three easy steps to minimize the frustration when sealing with service people, and make sure you’re not setting yourself up for a liability lawsuit next time you hire a plumber/painter/handyman, etc.:

1) Research – Do your homework on any service provider you are looking to hire, and ask for references. How long have they been in business?  Do they have a website? Where are they located? Search the person’s name as well as the company name, and if it is a common name, as the area in the search.

2) Get copies of license and Proof of Insurance – Any licensed and Insured person/company will gladly provide this for you. Simply asking whether or not they are licensed and insured leaves you to trust that they are sufficiently insured and telling the truth. Go the extra step and call us, to see if the limits on the business insurance coverage are enough. Call their provider and make sure the policy in effect and not expired.

3) Get References –  A reputable service provider will gladly give you the names and numbers of a few of their other customers. Many of these providers have built their business on word of mouth, and probably already have a list ready to pass along to you. A quick phone call or two will allow you to find out if their customers are really satisfied with the performed work.

Route 1 Insurance is a family run Tequesta Insurance Provider

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