Blow N’ Go High On The Roof, Part II

guest blog by Nila Ridings

On June 7th, I shared my gutter cleaning, police truck, firefighters and frustrating day with you now known as “Part I.”

Do you recall me saying my attorney told me to never let anyone on my roof or do work on my house or the attached neighbor’s house without showing me their Certificate of Insurance?

Once I had the name of the company with employees on my roof, I requested to see that certificate on their Facebook page. No response. I called the office of the commissioner of insurance. No records for the company. I called the county contractor’s licensing office. No records. I called the city building safety and permits office. They don’t require someone working up on the roof, other than roofing contractors to have a permit, license, and proof of insurance.

Which all boils down to this: If the guys blowing out gutters on the roof fall off, I’m liable. If they get hurt, I’m liable. If they die, I’m liable. And guess what? Every one of my neighbors is liable, too. And I doubt they even have a clue.

This is exactly why my attorney told me to always get a copy of the Certificate of Insurance. And now I’m suggesting you do it, too.

In talking to a non-CAI property manager, I learned that he never allows anyone to work on the property without seeing their Certificate of Insurance. If they are sweeping the parking lot he makes sure they have it in case they hit a car, run over a child, or knock down a light pole. If they change a drain in a pool he makes sure they have insurance. Absolutely nobody works on that property without insurance.

When and where do the risks end while living in an HOA?  It seems they never do. All the risks and expense are going to fall on me and you!



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Ward Lucas is a longtime investigative journalist and television news anchor. He has won more than 70 national and regional awards for Excellence in Journalism, Creative Writing and community involvement. His new book, "Neighbors At War: the Creepy Case Against Your Homeowners Association," is now available for purchase. In it, he discusses the American homeowners association movement, from its racist origins, to its transformation into a lucrative money machine for the nation's legal industry. From scams to outright violence to foreclosures and neighborhood collapses across the country, the reader will find this book enormously compelling and a necessary read for every homeowner. Knowledge is self-defense. No homeowner contemplating life in an HOA should neglect reading this book. No HOA board officer should overlook this examination of the pitfalls in HOA management. And no lawyer representing either side in an HOA dispute should gloss over what homeowners are saying or believing about the lawsuit industry.

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