Hiring an HVAC contractor in Buford, GA can be a stressful experience. This is especially true when you face an emergency during the holiday season or the cold months of winter. Unlicensed and uninsured contractors may offer prices that seem unbeatable. However, what they’re offering often falls into the "too good to be true" category.
Bringing a well-trained and properly licensed and insured Trane Comfort Specialist into your home may not seem essential. However, there are some good reasons to ensure your contractor carries the proper license and insurance.
Your Homeowner’s Insurance Is at Risk
What happens when an HVAC contractor falls or otherwise suffers an injury while working on your property? You may assume they have the proper insurance to take care of their own medical bills, but that’s not likely to happen if you hired a contractor lacking worker’s compensation insurance. In that case, the contractor is likely to file a claim against your homeowner’s insurance.
Unlicensed contractors can offer lower prices because they choose to use your insurance as a backup rather than paying for their own. That may mean higher insurance prices for you, which takes away any savings you enjoyed from the lower HVAC repair costs.
Damages Can Cost You Severely
Those low prices offered by an uninsured or unlicensed HVAC contractor can also disappear quickly if they damage your property. While some contractors lack a license but are highly trained and skilled, there are just as many working with limited knowledge and training. The lack of a license should hint at a lack of professionalism and possibly a lack of skill, which increases the chances of the contractor making a mistake.
If you hired an unlicensed HVAC contractor who is also uninsured, they may not have the money or integrity to pay for the damages to your property. The terms of your homeowner’s insurance may also prevent you from filing a successful claim for those damages.