If all those little items on your home’s to-do list seem to go neglected month after month, the best solution may be to enlist the help of an experienced professional. When choosing a handyman, there are a few important details to keep in mind. |
For many homeowners, there just aren’t enough hours in the day to work, take care of the family and tend to the myriad of little things that need taking care of around the house: leaky faucets, creaking cabinet doors and walls in dire need of repainting. A handyman can be located to help with a variety of services, is typically modestly priced, and easy to locate, either through a personal referral or an online search. While the types of work and fees for services can be negotiated, one thing it is advisable to insist on is that he or she be insured and bonded.
Most people understand the purpose of insurance: in the event that something should happen to you, your insurance plan will pay you for your injuries, illness or accident. For a professional contractor like a handyman, who is working in a private home, being insured becomes doubly important. Not only does it protect him if an accident or injury should occur, but it also safeguards the homeowner against having to pay the medical bills in case the worker is hurt.
Without proper insurance, you could find yourself on the hook for a liability lawsuit, increased homeowner’s insurance costs, or having your policy cancelled outright. It is also beneficial if the worker you hire has his own workman’s compensation policy in place, as this will provide an additional layer of protection in the event of being hurt while on your property. Workman’s compensation will remunerate the injured worker for wages lost as well as medical expenses, which provides him with peace of mind, and decreases the likelihood of a lawsuit.
When a worker is bonded, it offers another type of insurance for both parties. Effectively, it means that he will be able to access monies backed by the state in the event of an insurance claim being filed. In the case of an individual, he or she would most like have a surety bond. This is a promise that the person will perform the work in a reasonable amount of time and will reimburse the homeowner for incomplete work or damages to their property. A customer can check whether or not a handyman is bonded through the Better Business Bureau.
Ideally, your handyman should also be licensed for the state in which the work is being performed. In some states, an agreement made with an unlicensed contractor is not legally recognized, leaving the homeowner no recourse for unfinished or unsatisfactory work.
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