Illinois Insurance

The choice of a renowned painter is a challenging task, with pages and pages of the telephone directory painters. Many of them use the words “license” and / or “glue” adds to the confusion.

Others may only a name and telephone number.

But it’s really only a means to ensure that your painting is honorable.

“Vacation Photos must ask for a copy of their insurance,” said Peter Wirtz, President of the painter Pete.

Wirtz, the works of Northbrook, it has been for 39 years, painting, but it has become increasingly angry over the past five years by the misuse of the words “license” and “glue” of certain painters .

He asked his lawyer to ask whether licensed or bonded. Was there something that was missing? He asked. In his defence, his lawyer said no.

Mario Guertin, President of Painting, in partnership Palatine, “said the owner of the house should not be misled by the words” license “and” glue “. Those words should therefore nothing to say.

Guertin is also a founding member of the Lincoln State of the painting and decorating Contractors of America, a non-profit organization define the standards for the paint industry and offers accreditation.

There is not something like painting a license in Illinois, he said.

“It is a word irrelevant.”

Wirtz said to be licensed by the state for everything you have, to a test for measuring the competence and pay a fee to the state. But there is not yet a test, you have to pay a fee to the state to a painter, he said.

Gary Dowty, Executive Vice-President of the Lake County Contractors Association, said the roofers and plumbers, contractors have an obligation to the licence, Illinois State. Some acts of licenses are underway in the state legislature, he said. “For installers and roofers, the contractor is required the assistance of the State responsible for tests show their skills in trade,” said Dowty.

Some municipalities, but they need partners, including painters, joint acquisition of a license, which is nothing more than fill out an application, prove to the insurance and the payment of a fee. A municipal licence is not a certain degree of competence.

Painters are not required to be bonded, “said Wirtz.

A loan, “says Dowty is an assurance that the insurance by the end of a project, if the partnership contract is not or does not close. Some commercial loans, especially for projects, but non-residential projects, he said.

Dowty said contractors are not required to stick to housing projects.

But does Wirtz, painter general need for civil liability accident insurance and workers.

In Illinois, is not itself provide or workers compensation has been a class 4 felony Jan 1, 2006, after a note to members of the Illinois PDCA the Organization of directors. Contractors, who were not used for the provision of health insurance, it is possible to their work site arrested by the state.

Wirtz said, the insurance protects the owner of the house, because one of the workers, who turn to their home university injured. To be sure, he says, he owns a certificate of insurance by the painter.

“Full insured” is the medium of painting, it is necessary that the parties to the promotion of people, “he said, before adding the words” license “and” glue “that are homeowners confusing.

But they are words that are thrown around Liberal, especially by businessmen and newcomers who do not know what the words mean, Wirtz said. He suspects it is lost, as some businesses.

Guertin agrees and believes some painters do for a leg to competition.

“They think some, it goes their credibility,” he said.

“It is false advertising,” said Wirtz. “It should not happen, and the average owner of the house for him.”

Guertin, president of the PDCA crafts Forum, said his group is working to develop standards for the industry and offers accreditation.

Painters are not required to be accredited.

“Painting”, Guertin said, “is an area in the definition.”

If a home owner to hire plumbers and roofers, they should check to make sure that the distributor has its state and municipal permits, if necessary, “said Dowty. If you have any doubts, trade required to have a license, in your city, contact your municipal building.

Regardless of whether the recruitment of roofers, plumbers, painters, electricians or another party to the contract, the owner should be provided by the counterparty of insurance and know their rights. A law of the State requires all partners to make home repairs and projects aimed at improving the owner of Home Repair: Know Your Consumer Rights booklet. The homeowners and subcontractors must sign the document.

In addition, the owner should be complementary to the insured on the insurance-Dowty said.

Michael Pyle Pyle financial and insurance services in Evanston, provided additional means the owner of the house has the same rights as partnership contracts as part of the contractor.