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Old 07-17-2012, 10:37 AM
 
648 posts, read 1,664,391 times
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My neighbor is semi retired and no longer licensed as a contractor.

He will paint and or reshingle my house but he doesn't want to get re-licenced for this one job. I really trust him above other people I've talked to. he will let me work with him and I will learn so much. I really want him to do the job--although I do have esitimates from other licenced contractors, so I don't HAVE to have him help me.

My home insurance agent says he will not be covered for injuries under my home policy because he is really a contractor just working without insurance. (A part time employee, like baby sitter or a lawn mower would be covered.)

I live in NJ.

Is there any way I can have my neighbor help me??? I was really looking forward to working with him. He has helped me often in my home and is incredibly knowledgeable and also a friend.

Thanks!
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Old 07-17-2012, 10:46 AM
 
Location: North Beach, MD on the Chesapeake
38,399 posts, read 49,977,727 times
Reputation: 50656
Just general reply so please take it as that.

Many building codes allow a homeowner to pull permits for self-repair on the projects like roofing you mentioned (not usually for plumbing and electric, though), you're then the "contractor". You'll still have to have any necessary inspections done. That might be the way to get around it, he's "helping" you do the work. You shouldn't have to pull permits for painting your house, although you may have to have a Zoning review for color approval, it would depend on your town.

Your insurance agent is correct as to any liability.
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Old 07-17-2012, 10:51 AM
 
5,698 posts, read 17,933,123 times
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Years ago before people got sue happy, my Dad built an addition onto our home. It was him and 5 of the neighbor guys. They were all tradesman and each brought their skills to the job. Payment was beer and the promise to return the favor at some point in the future.

You can have your neighbor do whatever you want. If your neighbors falls of the roof just know you will be liable.
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Old 07-17-2012, 11:43 AM
 
2,896 posts, read 5,207,882 times
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Can the neighbor sign anything saying that he is halping at his own risk and will not sue?
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Old 07-17-2012, 11:54 AM
 
917 posts, read 3,192,808 times
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Quote:
Originally Posted by fallingwater View Post
Years ago before people got sue happy, my Dad built an addition onto our home. It was him and 5 of the neighbor guys. They were all tradesman and each brought their skills to the job. Payment was beer and the promise to return the favor at some point in the future.

You can have your neighbor do whatever you want. If your neighbors falls of the roof just know you will be liable.
Haha! I hope your dad paid them AFTER the work was finished for the day.
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Old 07-17-2012, 12:06 PM
 
Location: The Triad (NC)
31,925 posts, read 73,456,595 times
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Quote:
Originally Posted by Karen59 View Post

My neighbor... but he doesn't want to get re-licenced for this one job...
My home insurance agent says...
and you shouldn't date your neighbors either
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Old 07-17-2012, 10:16 PM
 
5,698 posts, read 17,933,123 times
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Quote:
Originally Posted by TheWayISeeThings View Post
Haha! I hope your dad paid them AFTER the work was finished for the day.
Nope, he returned the favor by doing whatever they needed help with. He was a welder so he shared his skills in that area. All for payment of beer. Ahh...the good ole days. lol.
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Old 07-18-2012, 06:25 AM
 
Location: The Triad (NC)
31,925 posts, read 73,456,595 times
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Quote:
Originally Posted by Karen59 View Post
Is there any way I can have my neighbor help me??? I was really looking forward to working with him.
He has helped me often in my home and is incredibly knowledgeable and also a friend.
I thought about this some more: Hire him as your construction manager.
Someone to design the specs and take bids and negotiate with the contractors
and when the time comes... to supervise the work being done by the licensed and insured.

A fixed percentage of the job is reasonable.
If you really trust him and he has all his experience then the net to you
should be the same as doing it on your own (maybe even less).
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Old 07-18-2012, 06:36 AM
 
Location: Johns Creek, GA
15,496 posts, read 57,932,217 times
Reputation: 19371
If you had asked your neighbor about the details (requirements) for him, he should have been able to tell you what would be required- or not.
Anyway, this is taken straight from NJ's state website:
"A home repair contractor who deals strictly in cash installment payments over a period of 90 days or less or accepts credit card payments does not need to obtain this license."
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Old 07-18-2012, 06:51 AM
 
Location: Grosse Ile Michigan
29,592 posts, read 71,626,462 times
Reputation: 36863
LIcenseure is not really the issue. You can hire licensed or unlicensed people. You may have to pull the permit yourself though. The issue is liability. What if he gts hurt or killed while working on your house? ALso if he hires anyone to help him, you get another layer of potential liability.
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