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Routine Home Maintenance

Seniors and people with physical disabilities often have difficulties with general home maintenance tasks such as cleaning, laundry, changing beds, and yard maintenance amongst others.

Local professionals are generally available and very often will allow special senior discounts if they are asked.

Be sure to get references from anyone that you employ to do services.  Check those references, make sure that any contractor is properly insured and if they are going to do any sizeable job, make sure that they are bonded.  If the contractor is bonded and they fail to perform their duties, the bonding company can be forced to pay for another contractor to come in and finish the job.

When looking for a contractor, you should always check to make sure that they are properly insured. Do not assume that they are insured just because they are in business.  If the contractor is not properly insured, you can potentially run the risk of liability if an accident occurs.  Kind of insurance you should check on include:

Workman's compensation - If one of the contractor's employees is injured on your property, workman's compensation will cover the medical costs and time off from work.  Without workman's compensation, an injured employee is likely to sue you for those costs.

Most employers are required by law to carry workman's compensation insurance and they can get into trouble if they don't.  But don't make the assumption that they are in compliance.

Property damage - If you hire a contractor that damages your property or that of a neighbor while performing their tasks, their property damage insurance will cover repair or replacement.

The contractor would still be liable for property damage, even without insurance.  But collecting from the contractor could end up being a very big problem.

There are other types of insurance that may be specific to the tasks that you are considering.  Be sure to ask potential contractors about all the insurance that they carry.

Checking Prices

Never, ever sign a contract for services until you have at least three estimates in hand.  

Sure, the salesman may tell you that this deal only happens if you sign at this moment.  If he wants your business that bad, he will be back.  If he refuses to make the deal at another time, he is applying too much pressure and he probably knows his prices are too high.  Walk away.

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