Charles_Main
AR15 Owner
So, Here are the Basics. I live in Michigan. For the last 25 Years I have worked in the Residential New Construction and Home Improvement Repair Industry in one way or another.
About 15 Years ago I actually ran my own company doing roofing and siding and did pretty well.
Well for Personal Reasons I have for most of the last 10 Years been working for other people rather than myself. However now with the economy the way it is. I have been trying to start up my own Roofing Company again. Believe it or not, while new construction is slow, the home Improvement Industry is doing well. People unable to move are instead putting money into their existing homes.
Well anyways, As a roofer you are required by law to carry certain amounts of Insurance. Both to cover you and any workers when working on someones home, and here where I live I find out that unlike 10 years ago. I now have no choice and have to carry a min of 1.5 Million in Coverage in case we damage a home.
Now 10 years ago you could get much less. most of the houses I work on are worth no more than maybe .5 Million. Why is it now law that I must carry 1.5 Million when I do not work on homes of that Value? Why Can't I carry .5 in coverage and if I do choose to work on a more valuable home, But a rider like you used to be able to do?
It's just one example in millions where government regulations are to one size fit all, and stick it to us all.
About 15 Years ago I actually ran my own company doing roofing and siding and did pretty well.
Well for Personal Reasons I have for most of the last 10 Years been working for other people rather than myself. However now with the economy the way it is. I have been trying to start up my own Roofing Company again. Believe it or not, while new construction is slow, the home Improvement Industry is doing well. People unable to move are instead putting money into their existing homes.
Well anyways, As a roofer you are required by law to carry certain amounts of Insurance. Both to cover you and any workers when working on someones home, and here where I live I find out that unlike 10 years ago. I now have no choice and have to carry a min of 1.5 Million in Coverage in case we damage a home.
Now 10 years ago you could get much less. most of the houses I work on are worth no more than maybe .5 Million. Why is it now law that I must carry 1.5 Million when I do not work on homes of that Value? Why Can't I carry .5 in coverage and if I do choose to work on a more valuable home, But a rider like you used to be able to do?
It's just one example in millions where government regulations are to one size fit all, and stick it to us all.