Boca Raton Painting Contractors
Due to hurricane Irma, Boca Raton has made operation as an unlicensed painting contractor very difficult. Every year all Boca Raton painting contractors have to renew their licenses with the city of Boca Raton. The renewal process is not very easy. All Insurance coverage must be verified by the city of Boca Raton before a new license is issued. All licensed painting contractors in Boca Raton must prove that they carry a minimum of 2 million in liability insurance and are fully covered by workers compensation insurance. The city of Boca Raton must receive proof via email directly from the insurance agency. Gone are the days of a copy sent from the contractors that can easily be forged. All licensed painting contractors in Boca Raton are required to send in a passport sized photo along with other supporting documents because starting September 2017 all Licensed Painting Contractors in Boca Raton will be issued a new license with their photo I.d on it. This is a huge step in preventing fake contractors from committing fraud. However, this only works if the potential client knows the rules and regulations. Most people do not even realize that one must be licensed by the city of Boca Raton and not only pass an extensive exams but also a background check. All these steps are taken to protect the public but unfortunately there are still ways people get scammed by unlicensed painting contractors.
When an unlicensed painting contractor tries to pass as a legitimate painting contractor, all he has to do is go down to city hall an pay $50.00 for an occupational license without any proof of having a legitimate painting contractors license from Boca Raton and they are issued a license with their companies name on it. Then they purchase liability insurance for the bare minimum amount down, and finance the rest. With this they are issued a certificate of liability insurance that shows an expiration date one year from the date of purchase. Once they have the certificate of insurance in hand, they quit making payments and the victims have no clue what they are dealing with. Unfortunately the penalty for painting without a license is almost a slap on the wrist for the fake contractor.
The people who really get hurt are the ones hiring an unlicensed painting contractor. If something goes wrong on the job and the contractor is unlicensed and damages or injury occur, the homeowner is held %100 responsible under their homeowners insurance policy. If the homeowner knowingly hires an unlicensed painting contractor and damage occurs to another property or injury to any person including the painter, the homeowner will have a huge legal battle ahead of them. The bottom line is, always check with the Boca Raton prior to hiring any contractor that is to do work on your house.