Why do you think people insist someone needs to be licensed, bonded, and insured? It's not really a quality question, it's CYA, a direct response to the rise of ambulance-chasers and increasingly-ridiculous jury awards. Morgan and Morgan are probably doing as much economic damage here as Baumol.
The HVAC technician working on your home accidentally discharges the propane based coolant while working on your cooling coil in the furnace. The mechanical room fills with flammable gas and then the pilot light for the water heater kicks on, igniting the gas and blowing up your house.
It turns out the technician was working for a shady company that didn’t have liability insurance, now what? Before responding, please read what your homeowners insurance policy says about hiring people to work on your home, then tell me if you’re covered. People always assume it’s lawyers when it’s actually insurance companies mandating risk management.
> The HVAC technician working on your home accidentally discharges the propane based coolant
Millions of unskilled people work with and around propane on a daily basis. It's not even remotely a big deal if you have an IQ above room temperature.
It’s a possible scenario, google ‘exploding refrigerator’. [0]
Also, there wouldn’t be fire code [1] and insurance requirements for refrigerant detection systems in rooms containing mechanical equipment with refrigerant in them unless it was an actual danger. Building codes are written in blood, as they say.
[0] https://www.yahoo.com/news/blew-across-home-appliance-expert...
[1] https://codes.iccsafe.org/s/IFC2021P1/chapter-6-building-ser...
Yikes! There are so many corner cases and pitfalls in construction, it would blow your mind! I did it for 2 months way back and concluded I would certainly die.
Paint a fence? Pay the neighbor kid. Patch a roof? eh ... what could go wrong.
They insist on that because if someone does work on your property they might destroy your property
Yeah it's CYA: the ass in question is yours. The guy who burns your house down without insurance will just file bankruptcy. You're the one left with the ashes.
Would your homeowners insurance not cover that? Mine would.
You might want to really do a careful read of your policy, because almost all of them have provisions about requiring work to be completed by licensed tradespeople.
I've heard people say this before, so a few years back I got all of my friends and family to send me a full copy of their insurance policies. 0% had any lines saying anything regarding work being performed by licensed tradespeople, or even that work must be done to building/etc codes. This was across multiple insurance companies in 3 provinces (Canada), for policies on condos, semi-detached, and detached homes.
I have my doubts that such a thing exists outside of extreme circumstances or internet commenters' imaginations.
Definitely not the case in Australia e.g. https://www.gio.com.au/know-more/insuring-your-home/things-t...
Insurance for damage due to building works is separate and required to be carried by the principal contractor for work over $20,000.
Which is to say, if I don't check they actually hold a policy, the residential insurance is not going to pay out.
I am extremely skeptical you have interpreted those policies accurately. For example, the one above doesn't require anything of anyone renovating stuff: but it also just won't pay for any associated damages.