HIRING AN UNINSURED CONTRACTOR CAN COST YOU YOUR HOUSE

Homeowners often believe that if a contractor gets hurt on their property, the contractor’s insurance will handle it. That belief is wrong — and dangerous.

In Pennsylvania, if a contractor does not carry workers’ compensation insurance and a worker is seriously injured or killed on your job site, liability does not simply disappear. If the contractor has no insurance and no assets, attorneys will look to the homeowner.

This happens most often on renovation and structural jobs — framing, beams, load-bearing walls, additions, decks, roofing, and mechanical work.

What Homeowners Don’t Realize:

• Workers’ compensation protects YOU, not just the worker

• Homeowner’s insurance is not guaranteed to cover job-site injuries

• Insurance companies can legally deny claims if:

  • You hired an uninsured contractor

  • Work was done without permits

  • Structural work was involved

  • You failed to perform due diligence

The Real Risk:

If a claim is denied, your personal assets may be exposed — savings, property, and future earnings.

The Only Real Protection:

• Licensed contractor

• Active workers’ compensation policy

• General liability insurance - ***Renovations change risk. Don’t assume your homeowners insurance covers it—call your agent before work starts, not after something goes wrong.

• Proper permits issued before work starts

Hiring uninsured labor is not “saving money.”It is accepting legal and financial risk you may never recover from.

Happy New Year "Mame sure your home renovations goes smooth but never MAD or, SAD.

—Honey Fix It Inc. We fix what shortcuts break.