Do You Need Insurance When Remodeling?
by Gregg Cantor Resident Expert, Approved Home Pros
President, Murray Lampert Design, Build, Remodel
Like a good roof over your home, a contractor’s bonding and insurance is an important umbrella for the protection of you and your family. Before signing a contract for any home improvement, make sure your contractor is properly insured. Proof of bonding and worker’s compensation insurance is available on the Contractor’s State License Board website.
Surprisingly, liability insurance is not required by California law, so you will need to ask the contractor for proof. Without liability insurance YOU are at risk if damage or destruction of your home is caused by the contractor, their workers or their equipment.
I recommend hiring a company that carries a minimum coverage of one million dollars and names you as additional insured.When you find a pro on ApprovedHomePros.com, you have the confidence that we’ve confirmed bonding and insurance for you. On larger projects, you may consider adding Course of Construction insurance, which covers damage due to fire or theft. With proper insurances and bonding in place, you can rest easy when work begins.