Bob, it is possible to make claims in such a situation. Again, the requirements vary from state to state.
Another eye opener for homeowners having work done around their homes, if a supposed contractor doesn't have W Comp, the homeowner then becomes the "general contractor" and must carry W Comp. By the time the homeowner finds out, an accident has occurred, and things get ugly quickly. If you are lucky, your homeowners insurance may cover you and then go after the contractor. When someone that is a supposed contractor works around your home, require them to give you a copy of their current Certificate of Workers Comp and verify their liability insurance. A good contractor will provide them with the contract documents.
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Today's Featured Article - The David Brown Rose Badge - by Samuel Kennedy. In the 13th century civil war was raging in England. Two English noblemen were involved in a conflict which became known as the War of the Roses. The Duke of York had as his emblem a white rose and the Earl of Lancaster had a red rose. Today the white rose is the official emblem of the county of Yorkshire and the red rose has been adopted by the neighboring county of Lancashire.
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