Making sure to hire a licensed, bonded, and insured HVAC contractor can mean the difference between a successful installation and a homeowner’s worst nightmare.
Hiring a contractor that is insured with both liability insurance as well as worker’s compensation insurance is necessary. Liability insurance will cover any property damage that may result from the work being performed. Workers compensation insurance will insure that you, the customer, will not be held responsible for paying the worker’s wages after an accident or injury, regardless of who was at fault.
Hiring a contractor that is licensed insures that the contractor has completed a registration process proving that they hold minimum insurance and bonding requirements needed to receive a license from the government agency that handles licensing in the area where the work is being performed. Often, a contractor’s license is a prerequisite for applying for a building permit, if your job requires it.
A bonded HVAC contractor will protect you, the customer, if the contractor fails to complete the job or meet other contractual obligations. Bonding insures that you, the customer, will not be held responsible if the contactor fails to cover the cost of supplies or pay their workers. Bonding also covers the repair or replacement of substandard work caused by the contractor’s negligence.
You can check to see if who you hired has a contractor’s license by visiting www.myfloridalicense.com. You can search by name, license number, city or town as well as by license type.
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