Is HRS Licensed and Insured?
In a Word: YES
A Guide to HRS's Licenses and Insurance Coverages
Contents
What is a COI, and how do you read it?
Understanding Our Alabama Unlimited Home Builder License
Our Comprehensive General Liability Insurance Explained
Worker's Compensation: How Protecting Our Team Protects You
The Role of Auto Insurance in Our Services
Why You Should Obtain a Copy Of Your Contractor's License and Insurance
How To Get a Copy of Our License and Insurance
What is a COI, and how do you read it?
A Certificate of Insurance (COI) summarizes a company's insurance policies. It shows you what's covered and how much coverage the company has.
When you look at a COI, you'll see tons of confusing information, but I want to boil it down to the three most important sections: the insurance agent, types of coverage, and the policy limits.
In the example below, you'll find the name and contact information of the insurance agent who will help you in the event of a claim.
Here, you'll find the types of insurance coverage the company has in place.
And on this side, you'll find the limit amounts the insurance will pay out per claim.
Understanding Our Alabama Unlimited Home Builder License
With our Alabama Unlimited Home Builder/Remodeler License, the state recognizes Home Repair Service for our ability to expertly handle any residential project, big or small, as well as manage commercial projects for buildings up to three stories.
-Graham Walden-
"Studying for the Alabama Builder's Exam was an eye-opener. Despite years in construction, it took me four months to prepare. Understanding every detail of home construction was crucial. Now, I'm proud to bring the additional knowledge I gained to all our projects."
Our Comprehensive General Liability Insurance Explained
Our $1,000,000 General Liability Insurance is there to cover any damages or injuries that might occur while we're working on your property. It's a big number because we want to make sure you're fully protected, no matter what.
Worker's Compensation: How Protecting Our Team Protects You
You never know what might happen on a job site. That's why Worker's Compensation is a must for us. It covers our team in case they get hurt on the job. This is not just good for them but also for you. It means you're not liable if an accident happens on your property.
Too many contractors skip this insurance because they feel it's pricey. It's not a matter of if; it's a matter of when. Simply put, it's a massive exposure to a homeowner. When an uninsured worker gets hurt, the homeowner will be the one to get sued for medical expenses or disability. That's just not right!
The Role of Auto Insurance in Our Services
Our Auto Liability Insurance is another layer of protection. It covers any vehicle-related incidents that could happen while our vehicles are on site. It's an essential part of making sure our clients are protected in every way.
Why You Should Obtain a Copy Of Your Contractor's License and Insurance
I believe having a copy of your contractor's license and insurance is crucial before any work begins. This isn't just about paperwork; it's about peace of mind. Having these documents means you've confirmed your contractor is qualified and insured. It's a step you shouldn't skip. If anything unexpected happens, you'll have the information you need right away instead of possibly waiting weeks to get it. This is true for any contractor you might choose, not just us. It's a good practice that helps prove your contractor cares about protecting you and your property from the get-go.
How To Get a Copy of Our License and Insurance
That's the easy part. Every client gets a copy of our license and insurance before any work starts. At Home Repair Service, you don't even have to ask. If you're an existing client and have misplaced your copy, please call us at 205-858-1658. We can email a replacement while we're still on the phone with you.
I hope this guide has helped clear up any questions you had about our licenses and insurance at Home Repair Service.
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