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heili t1_ir5gpyp wrote

People really don't understand why I say if you're hiring a service to clean your house, mow your lawn, wash your windows, etc... you make sure that they are a business and that they are insured for injuries and any potential damage that may happen in the course of them doing their work.

A while back my neighbors hired a company to do some work for them. During the course of that work, a pretty large piece of wood got away from them and it hit my deck breaking several boards. It was that company's insurance who had to pay to have my deck repaired, not my homeowner's insurance.

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