MyFloridaCode.com

I run into this with an individual locally in Palm Beach County who has an
occupational license for a sheet metal shop and who is insured for the sheet
metal shop with the same form sent out to contractors that my insurance
sends out.  In fact the insurance is only for shop work.  The county can
only fine this person (and they have once finally from all my complaints)
when they see them working without a license.  They also fined the general
contractor who hired them (a repeat violator).  Unless the Great State of
Florida changes the law so that Licensed Contractors are issued a particular
form different from the rest it is hard to distinguish licensed from
unlicensed.  I always send new contractors my licenses, a few request them
anyway.  I doubt that the insurance company will cover this claim since the
individual worked outside the scope of the insurance purchased when they
acted as a licensed contractor.

 

Rachelle (Schelle) Wood

Dolphin Sheet Metal, Inc.

CSC056647

 

  _____  

From: codetalk-bounces at myfloridacode.com
[mailto:codetalk-bounces at myfloridacode.com] On Behalf Of L&H Contracting,
Inc.
Sent: Friday, April 23, 2010 2:56 PM
To: codetalk at myfloridacode.com
Subject: [Florida Code Talk] Insurance claim/unlicensed contractor

 

What are the ramifications? A registered contractor subs to an unlicensed
(insured) subcontractor using a contract. A claim arises against the
registered contractor for work done on a commercial building. The registered
contractor then contacts the unlicensed sub and involves them and his
insurance company in the claim. Taking into consideration FS489.128 that
this contract would be unenforceable. How would the unlicensed contractors
insurance co reply, if it was known they were unlicensed? And why would an
insurance company issue insurance to an illegal company? Thanks for the
input.

 

 

Robert Harvey
L & H Contracting, Inc.

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