Usually, your homeowners insurance does not cover injuries to a worker that you hire to do repairs on your home. Sometimes an insurance carrier will pay for minor injuries but usually, that's limited to a thousand to five thousand dollars depending on your coverage. Beyond that, homeowners insurance policy will not pay for those kinds of injuries unless the accident was the homeowners fault.

Sometimes an accident is obviously the result of something that the owner knew about but the worker did not. A worker falls down the staircase because one of the steps was broken, your fault, your homeowners insurance pays for it; but a worker falls off his own ladder, a roofer falls off his own ladder while working, not your fault your homeowners insurance does not pay.

The takeaway message though is to avoid any of these kinds of problems. Make sure that you hire contractors who have their own liability insurance, and their own worker's compensation insurance, and make them prove it to you. They can give you a certificate of insurance; those contractors are the ones that are more responsible, and they may cost a little bit more, but in the end, it's worth it.

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