A couple of comments regarding the wrenches'
list. Bob O Schultz is correct - no one should be on the list who will
not show up with equipment to both install and service what they sell,
design, specify and/or contract to install. Wrenches' list implies
contracting. The beginning of the wrenches' list should inform the
potential client to ask his contractor for three types of insurance, all
legitimate contractors should carry: 1) liability insurance which
covers homeowner against damage the contractor might cause while
working at the home or site. 2) workers' compensation this protects
the homeowner against liability if the contractor or his employee is injured
while working at the site. In the south homeowners have lost their
homes to lawsuits by lawyers suing the homeowner after serious injury to an
employee who was not covered by his employer. The contractor may flee
to another state - however the homeowner cannot flee with his property and
the responsibility for workers compensation lies with the homeowner. 3)
Completed operations insurance This covers the homeowner against
damage to the home after the job has been completed. For example, if
incorrect mounting procedures cause a leak in the roof and damage for the
contents of the home or an electrical fire causes damage to the home
resulting from the contrator's work.
Insurance companies will not pay for
damages caused to a home when a permit is not pulled for the job or the
contractor is not licensed to perform the work. In Florida recently a
homeowner whose house burned down ordered equipment from a wholesale
distributor in California. The homeowner installed the equipment
himself (perfectly legal) but did not pull a permit. The homeowner
suffered a $100,000 loss because the insurance company discovered that the
homeowner did not pull a permit. If a contractor had installed the job
and did not pull a permit the homeowner would have been covered, however,
the insurance company would a)expect the contractor's completed operations
insurance carrier to pay or b) sue the contractor.
Many contractors businesses are what
they sell for retirement before they move on to the old solar installers'
home. Protect your livelyhood from sharks and lawyers - carry the
proper insurance and let your clients know you are properly
insured. Tom
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