General Information

1. Does the contractor have liability insurance? If something goes wrong who will cover your loss. I heard of a roofing problem in the summer of 08 they tore off the roof and installed a new roofing system. It looked good it didn’t leak, but when the roofers were tearing off the old roof they inadvertently unlocked the furnace flue pipe 8’ below the roofline. When the flue pipe was re-shingled into place the pipe was 1/2 on and 1/2 off the lower pipe venting carbon monoxide into chimney chase and ultimately into the house attic. They didn’t find the problem for 5 months, thank God no one died. When Natural gas or LP gas is burned it gives off carbon monoxide and a lot of water. The water leaves the furnace at about 350 degrees; at this temperature it’s steam being forced into a cold attic with a lot of cold surfaces. When the steam touches a cold surface it changes to water or ice. In this case about 2 inches of ice crystals on under side of the roof decking, on the trusses and on the surface of the attic insulation.  A quick calculation looks like about 200 gallons of water frozen in the attic. Looking at this job after the facts all the insulation in the attic has to be removed the roof sheathing has to be checked for soundness and may have to be replaced as well as the sheetrock ceiling. You might need new flooring also if the ice melted before you removed it, because it will follow the wall stud cavities to the main floor and under your carpets, or cupping you hardwood flooring.
This is only 1 thing that can go wrong; there are many other situation I have heard about.
2. Does the contractor have worker compensation insurance?
If person falls or get hurt in any way while on your property (grass, sidewalk, inside your house, etc.) you’re at fault, unless the contractor has workers compensation insurance.

Rules for hiring a contractor:

General Information
1. Does the contractor have a state license to do the type of work needing to be done?
2. Does the contractor have liability insurance? If something goes wrong who will cover your loss.
3.  Does the contractor have worker compensation insurance?
If a person falls or get hurt in any way while on your property (grass, sidewalk, inside your house, etc.) you’re at fault. Unless the contractor has workers comp. insurance.

4. Make Sure All Subcontractors and/or Any Person Coming Onto Your Property Has Legal Workers Compensation and Liability Insurance.
5. Does this person have the brains to pull off this type of job?  Watch out there a lot of cons out there calling them contractors only wanting to separate you from your money.
6. Can he/she prove what is being said in writing; a contract that protects you the Homeowner?
7. A lot of people have go good intentions but no knowledge or life experience to draw from.
8. There are 3 classifications of quality of work
A.  Poor and well below sub standard workmanship
B.  Just Average on workmanship
C.   Excellent work- any worker just above average ends up excelling to excellent static because of the person himself, I’ve seen this time and time again.

9. 2nd Classifications of motives.
A. Money is a good motivator
B. The lack of money is a poor motivation
C. Lack of time for said job or out of on contracts personal bills
D. The only job available this one, actually scores just above average
E. Actually caring for his work and the client.

Now is the contractor your hiring going to hire subcontractor with substandard work or money problems? Remember this your project is to be a work of art not a novel of science fiction.

Building contractor(s) vs handyman(s)

Building contractor(s) verses handyman(s)

What’s the difference?
The Department of Labor and Industry requires licenses for residential building contractors, remodelers, roofers and manufactured home installers. The department requires certain standards of education and professional conduct be maintained to obtain and retain a license.

Licenses are required for all residential building contractors and residential remodelers who contract with a homeowner to construct or improve dwellings by offering more than one special skill. Owners working on their own property must also be licensed if they build or remodel for the sole purpose of speculation or resale.

Liability insurance with limits of at least $300,000 per occurrence, which must include at least $10,000 property damage coverage.
Minnesota workers’ compensation insurance certificate or a written explanation of why the applicant is exempt from workers’ compensation requirements. Applicants who have no employees and have no intention of hiring employees (other than spouse, parent or child) during the next year should attach a written statement with the license application explaining the specific reason they are exempt. If applicant is uncertain whether workers’ compensation insurance is required for your business, contact the Minnesota Department of Labor and Industry at (651) 284-5005.

A handy man needs none of the above unless he and/or she does more than one of these items concrete, frame, side, sheetrock, trim, tile, hardwood flooring, carpeting, painting

If a handy man gets injured at your house he or his insurance company can sue the home owner. Always Protect Yourself.

Hearth & Home

Master bedroom fireplace Clip on photo to enlarge it.
The first picture has a entertainment cabinet has a 4’wide radius drawer under the hearth for DVDs and VCR movies. The hearth is being supported by a 1/4″ piece of steel so a person can stand on it to install the TV or clean the mantel.

closen-01.jpg Family room fireplace system

The cabinet right of the fireplace has the Cable box and a DVD player for the TV. We have leaded glass being made for the cabinet doors.