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Why Your Contractor Must Have Insurance

contractos insurance 1024x575 Why Your Contractor Must Have Insurance

For your construction project to be truly successful, it must be done with an excellent contractor at the helm – whether a general contractor or professional hardscaping contractor. But, you have to be very discerning when it comes to hiring one. Not only should your contractor have the necessary skills, experience, and equipment, but he must also have the right insurance. Here are the reasons why insurance coverage is a must.

Protection from liabilities

There are many types of contractors insurance out there, but the two insurance policies that every contractor must have are general liability insurance and workers’ compensation insurance.

When your contractor has general liability insurance, any accident that leads to third-party injuries or property damage will be paid for by his policy. Workers’ compensation insurance will cover both the medical expenses of your contractor’s workers who sustain an injury while at work on your project as well as the wages they stand to lose because of the injury.

When you’re hiring a contractor, always make sure that he has both because if he does not, you will be technically acting as the contractor. In this case, you will be held liable for any injury and property damage that occurs during your construction project.

Lower long-term costs

It’s true that a contractor who doesn’t have insurance will likely offer lower rates for his services, which is probably why they still get hired despite not being insured. After all, there is no shortage of people who want to save a few dollars here and there.

However, with an uninsured contractor handling your project, you could end up spending more money in the long run. When there are mistakes in the construction, you’ll have to shoulder the cost of correcting those mistakes (consider the long term issues with stucco!). And if a worker or a third party gets injured in the work area, you are liable to pay for his medical expenses—among other things—out of pocket for as long as it takes the worker to recover.

Don’t hire uninsured contractors

In conclusion, hiring uninsured contractors carries with it a lot of risks. They may come cheap, but the consequences should an accident happen don’t. An uninsured contractor could end up making you the subject of a lawsuit which could bankrupt you when you lose in court. So don’t hire the uninsured: It’s just not worth it.


 

About The Author:

Rachel Porter is the content specialist for Custom Contractors Insurance, LLC, and Arizona roofing and contractors insurance company. When not writing, she enjoys reading and mountain biking with her friends.

Dishing the Dirt about Dirt: What You Need to Know About Landscaping Soil

landscaping soil e1555512308594 1024x598 Dishing the Dirt about Dirt: What You Need to Know About Landscaping Soil

Whether you’re planting flowers and vegetables, filling in holes in your property or growing grass, you need one thing: dirt.

But not all dirt is created equally. The dirt you use to fill in holes is a lot different than the rich topsoil you’d need for salad-worthy tomatoes.

In this blog post, we’ll answer some of the common questions you might have about soil for your lawn and garden or landscaping soil.

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How to Stain Flagstone

staining flagstone e1552500740871 1024x588 How to Stain Flagstone

While concrete and asphalt are certainly reliable options for building pathways around your property, they can’t compete with flagstone when it comes to aesthetics.

And here in Pennsylvania, we’re especially blessed when it comes to flagstone, thanks to the state’s native bluestone.

But let’s say you’ve had your stone for a few years and several summers’ worth of sun has caused its natural color to fade.

That’s OK. You can restore your flagstone to its former glory simply by applying some stain. Read on to learn everything involved with staining flagstone.

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Polymeric Sand vs. Regular Sand

polymeric sand e1549980358627 1024x557 Polymeric Sand vs. Regular Sand

The term “polymeric sand” might sound like some sort of high-tech, futuristic product, but there’s a good chance you’ve encountered it somewhere along the line.

It’s a type of sand used to fill in the joints between pavers, a product that’s created by mixing a fine sand with additives – typically silica – and water to form a binding agent that helps lock pavers together.

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What Type of Soil Should I Use?

landscaping soil e1548345475849 1024x582 What Type of Soil Should I Use?

It’s never a good idea to assume all landscaping materials are created equal.

Some stones have features and benefits that others don’t. Some mulches have different properties than others. And not every type of landscaping soil is the same. In this blog post, we’ll look at the basic types of soil used in landscaping projects.

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What is a Snow Melt System?

snow melting systems e1544797037938 1024x611 What is a Snow Melt System?

Do you remember the blizzard of ‘96? The seemingly endless winter of ‘94? The “Snowpocalypse” that caused more than half of PECO’s customers to lose power in 2011?

We definitely remember those storms. We also remember the one thing they had in common: constant, unending shoveling.

It’s one of the most – if not the most – unpleasant winter tasks: hard on your back, time-consuming, always inconvenient and most of all cold.

And as you stand out in the cold, your back sore and your fingers numb, you think to yourself “Someone needs to come up with snow melting systems that can go under the sidewalk, heat them up and clear all this stuff away.”

You might see where we’re going with this. Because of course, there are snow melting systems like the one we’ve just described.

We work with a company called ProLine Heating Solutions, which makes a system that – when installed underneath pavers – senses snow and ice and melts it away.

How does it work?

This type of snow melting technology has been around for years. The town of Holland, Michigan has used a snow melt system since rebuilding its sidewalks in 1988.

They used waste heat from a local power plant, diverting that energy into pipes that ran under the streets and pavements. It eliminated the need for salt and shovels and ended the freeze/thaw cycle that can cause sidewalks to buckle and potholes to form.

Then there’s Iceland, which uses geothermal energy – thanks to being in one of the most dynamic volcanic parts of the globe – to heat some of its roads and sidewalks.

But you won’t need a volcano or a power plant to fire up your snow melt system. ProLine uses a mat that’s installed underneath your sidewalk and powered by a cable.

There’s a sensor device that automatically triggers the snow melting system when it detects moisture and cold temperatures. A control unit powers the heating element under your pavers, which distributes heat to the surrounding area.

It’s not dramatically different from the standard paver installation process. Additional sand is needed, with the heating system installed in the sand. You’ll need an electrician to determine the best place for the control and access to power.

Why investing in snow melting systems is a good idea

The benefits of this system include:

  • The ProLine system generates 35 to 50 watts of energy per square foot, quickly and efficiently clearing snow and ice from nearly any surface
  • It’s easy to install, with a simple design and a single connection point – the other end of the cable is self-terminated.
  • It’s safer. You won’t need to worry about slipping on an icy walkway or injuring yourself while shoveling snow.
  • It’s efficient and cost-effective. Nearly all of the energy used goes to snow melting, and lets you melt snow on a 300-square foot area at the cost of 50 cents per hour of operation.
  • It will increase the value of your home by extending the life of your landscaping.

Does one of these snow melting systems sounds right for your property? Contact Woodward Landscape Supply. With our help, and with ProLine’s products, you can make sure your pavers are ready for whatever the winter of 2019 has to offer.

Don’t Make These Mistakes When Installing Artificial Grass

artificial grass between flagstone e1544037732348 Don’t Make These Mistakes When Installing Artificial Grass

You love your lawn. It’s a lovely emerald carpet that provides your home with an extra dose of color and curb appeal.

Sure, it can be a pain to mow, but you enjoy the way it looks, the smell of freshly cut grass on a warm summer evening.

Still, but there are times when grass just won’t cut it for your landscaping project. That’s where artificial grass can help.

Let’s say you have a swimming pool. Artificial turf will prevent grass clippings, mud and lawn fertilizer from getting in the water.

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4 Ways to Turn Your Backyard into a True Zen Oasis

house 3346909 1920 1024x683 4 Ways to Turn Your Backyard into a True Zen Oasis

Having a beautiful backyard is a dream come true for a lot of people. In this day and age, all of us simply need a quiet little place to relax and unwind after a busy day. Sure, a lot of us already have such an area somewhere in our homes, but not many realize the healing power of spending time outdoors.

That’s why, if you are thinking about updating your outdoor area, we urge you to consider creating a true Zen oasis, where you will be able to fully give in to the healing powers of Mother Nature and spend some quality time immersed in all of her beauties, either alone or with friends and family. If the idea sounds appealing, but you’re not quite sure how you can achieve it, keep on reading.

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How to Care for Your Lawn in Winter

winter lawn care e1542291764470 1024x593 How to Care for Your Lawn in Winter

The leaves are off the trees, temperatures are dropping and you’re making plans for the holidays. Your mind is focused solely on winter time. Any lawn care related thoughts are miles away.

But the onset of cold weather doesn’t mean you get to ignore your grass for the next few months.

It might sound like hard work, but it will pay off when warmer weather comes and you’re greeted by fresh, healthy grass. Make things easier on yourself in the springtime with these winter lawn care tips.

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