It’s not uncommon for people to cut corners to save a couple bucks, but when it comes to getting projects done around the house, you want to make sure you’re hiring the right person. People may think it’s a good idea to go with an unlicensed contractor for a project to save some money– but this decision comes with a lot of risk and could end up costing you more in the end.
When you hire a contractor, whether it be for a repair job or a seasonal service, you want to make sure they are licensed and insured. The contractor would become responsible for everything that happens on the jobsite. If you choose to hire someone who is unlicensed or uninsured, you take on all the responsibility, which means if something goes wrong, (such as property damage, or an injured worker) you are responsible for covering the cost. Hiring a licensed contractor (and being protected under the insurance they carry) protects you from the financial consequences and risks of a job gone wrong.
Hiring friends or family members also does not make the liability and risk issues go away. If your friend or family member was hired to do contractual work and got injured, you would still be responsible for the worker’s hospital charges and lost wages. Another thing to note is that your standard homeowners insurance or landlord liability insurance isn’t going to cover you, should these risks occur.
It’s always in your best interest to go with a contractor who is licensed and insured. If you need some work done in your home, give our PROS a call! Our team of talented tradespeople are ready to help.