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Free classified sites such as have come to be a great resource for people wanting to find home service contractors in their area. However, unfortunately for some, the convenience has come at too high of a price.

 Liabilityscams have popped up across the country when a homeowner has hired a not-so-reputable service provider who advertised their services on a site like The service provider then fakes or sometimes even purposely sustains an injury on the premises thus suing the homeowner (and their homeowners insurance) for their injuries.

Service providers who are not insured, or sufficiently insured, can be a major risk for homeowners and the liability portion of their homeowners insurance.


 Follow these tips to make sure you’re not setting yourself up for a liability lawsuit next time you hire a plumber/painter/handyman, etc.:

Do your homework

If you find a service provider advertising on do your research.


Do they have a website?

Where are they located?

How long have they been in business?

See how much you can find out about them just by scrolling through the web. Most counties also offer an online resource that will allow you to search for criminal activity on an individual before you hire them, this is highly advisable!

In Macon County, Illinois you can access that information here

Get the documentation

 Ask to review their license and insurance information up front. Simply asking whether or not they are licensed and insured leaves you to trust that they are

A) Telling the truth and

B) Sufficiently insured.

Ask for a copy of their business insurance declaration page and their business license certificate. A reputable contractor will be used to providing this information to a client and will likely be more than happy to oblige.

Go the extra step and call your homeowners insurance agent to see if the limits on the business insurance coverage are enough.

Make sure the policy is effective and not expired. Taking a little extra precaution now can save you a major headache down the road.

Ask for references

 One of best ways to know if a service provider is reputable is to hear about their quality of work from other customers. Ask for a list of references which they should be able to readily provide. Make the phone calls and find out if their customers are really satisfied with the performed work.

Here are a few key questions to ask:

Did they perform the work contracted to the client’s satisfaction?

Did they complete the work in a reasonable time frame?

Did they perform the work during reasonable hours of the day?

Were they respectful of the clients property while performing the work i.e. Did they clean up after themselves at the end of the day? Did they cause any damage in the course of their work? Were the respectful

Was the bid the contractor originally gave similar to the final bill?

Would the former client recommend them?

Posted 4:40 PM

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