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The New Coffee Room

  1. TNCR
  2. General Discussion
  3. "Licensed, bonded and insured...." not.

"Licensed, bonded and insured...." not.

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  • George KG George K

    @Klaus good question.

    The contractor is probably not going to be able to pay restitution. He is not insured, from what I gather, so he has no resource.

    The homeowner's insurance policy might cover it. However, insurance companies being what they are, I can see them denying the claim because the contractor was an idiot not licensed, etc.

    IvorythumperI Offline
    IvorythumperI Offline
    Ivorythumper
    wrote on last edited by
    #14

    @George-K said in "Licensed, bonded and insured...." not.:

    @Klaus good question.

    The contractor is probably not going to be able to pay restitution. He is not insured, from what I gather, so he has no resource.

    The homeowner's insurance policy might cover it. However, insurance companies being what they are, I can see them denying the claim because the contractor was an idiot not licensed, etc.

    I think that the policy of the homeowner who suffered the damage has to pay for it, and then go after the policy of the homeowner whose unlicensed contractor did the damage.

    brendaB 1 Reply Last reply
    • MikM Offline
      MikM Offline
      Mik
      wrote on last edited by
      #15

      I used to take down a lot of trees, including some 40-50 footers in my property, but no more.

      “I am fond of pigs. Dogs look up to us. Cats look down on us. Pigs treat us as equals.” ~Winston S. Churchill

      1 Reply Last reply
      • Catseye3C Catseye3

        All this talk of trees is reminding me to follow up on a story recited here a few months ago. I've been putting this off because, I'm embarrassed to say, I can't remember whose story it was. (Ivorythumper's?) Anyway, about the jerkwad neighbors who allowed their tree's debris to fall in IT's -- if it was IT -- yard, and a dire court battle was looming.

        I've been curious to know the outcome of this. If you're reading this, IT -- if it's IT -- can you give us a followup?

        If it's someone else, please forgive my poor memory. No offense intended.

        If someone reading this remembers whose story it was, can you let me know? Thanks.

        IvorythumperI Offline
        IvorythumperI Offline
        Ivorythumper
        wrote on last edited by
        #16

        @Catseye3 said in "Licensed, bonded and insured...." not.:

        All this talk of trees is reminding me to follow up on a story recited here a few months ago. I've been putting this off because, I'm embarrassed to say, I can't remember whose story it was. (Ivorythumper's?) Anyway, about the jerkwad neighbors who allowed their tree's debris to fall in IT's -- if it was IT -- yard, and a dire court battle was looming.

        I've been curious to know the outcome of this. If you're reading this, IT -- if it's IT -- can you give us a followup?

        If it's someone else, please forgive my poor memory. No offense intended.

        If someone reading this remembers whose story it was, can you let me know? Thanks.

        Timely!!! Our lawyer just sent a love letter to their lawyer advising them of the lawivorythumper v..JPG .

        89th8 brendaB MikM 3 Replies Last reply
        • Doctor PhibesD Doctor Phibes

          We've got massive pines close to our home, but they're on town-owned land, and obviously the town isn't interested. Every time there's a big storm, I lie there listening to the wind howling, and wonder whether one's going to come down. We've had a couple of oaks fall, but luckily they're smaller. One fell on a car in the parking lot of the company that's next door.

          JollyJ Offline
          JollyJ Offline
          Jolly
          wrote on last edited by
          #17

          @Doctor-Phibes said in "Licensed, bonded and insured...." not.:

          We've got massive pines close to our home, but they're on town-owned land, and obviously the town isn't interested. Every time there's a big storm, I lie there listening to the wind howling, and wonder whether one's going to come down. We've had a couple of oaks fall, but luckily they're smaller. One fell on a car in the parking lot of the company that's next door.

          Oaks uproot in high winds, usually it happens when the ground is wet. Pines tend to snap or twist off. A pine with a cat face is bad ju-ju...It's not if it snaps, but when.

          “Cry havoc and let slip the DOGE of war!”

          Those who cheered as J-6 American prisoners were locked in solitary for 18 months without trial, now suddenly fight tooth and nail for foreign terrorists’ "due process". — Buck Sexton

          1 Reply Last reply
          • IvorythumperI Ivorythumper

            @Catseye3 said in "Licensed, bonded and insured...." not.:

            All this talk of trees is reminding me to follow up on a story recited here a few months ago. I've been putting this off because, I'm embarrassed to say, I can't remember whose story it was. (Ivorythumper's?) Anyway, about the jerkwad neighbors who allowed their tree's debris to fall in IT's -- if it was IT -- yard, and a dire court battle was looming.

            I've been curious to know the outcome of this. If you're reading this, IT -- if it's IT -- can you give us a followup?

            If it's someone else, please forgive my poor memory. No offense intended.

            If someone reading this remembers whose story it was, can you let me know? Thanks.

            Timely!!! Our lawyer just sent a love letter to their lawyer advising them of the lawivorythumper v..JPG .

            89th8 Offline
            89th8 Offline
            89th
            wrote on last edited by
            #18

            @Ivorythumper said in "Licensed, bonded and insured...." not.:

            Timely!!! Our lawyer just sent a love letter to their lawyer advising them of the law!

            Thanks for the update! I was thinking about this the other day. The last paragraph was a nice "BOOM!" moment too. Sucks it comes to this, but you have to do what you have to do.

            Just 2 weeks ago I was talking to my neighbor (some of our spruce branches overhang the fence and also shade out some of his vegetable garden). We are both fine with whatever branches need (or don't need) to be trimmed back on his side of the fence, although admittedly it's not as significant as the red oak you're dealing with.

            1 Reply Last reply
            • IvorythumperI Ivorythumper

              @George-K said in "Licensed, bonded and insured...." not.:

              @Klaus good question.

              The contractor is probably not going to be able to pay restitution. He is not insured, from what I gather, so he has no resource.

              The homeowner's insurance policy might cover it. However, insurance companies being what they are, I can see them denying the claim because the contractor was an idiot not licensed, etc.

              I think that the policy of the homeowner who suffered the damage has to pay for it, and then go after the policy of the homeowner whose unlicensed contractor did the damage.

              brendaB Offline
              brendaB Offline
              brenda
              wrote on last edited by
              #19

              @Ivorythumper said in "Licensed, bonded and insured...." not.:

              @George-K said in "Licensed, bonded and insured...." not.:

              @Klaus good question.

              The contractor is probably not going to be able to pay restitution. He is not insured, from what I gather, so he has no resource.

              The homeowner's insurance policy might cover it. However, insurance companies being what they are, I can see them denying the claim because the contractor was an idiot not licensed, etc.

              I think that the policy of the homeowner who suffered the damage has to pay for it, and then go after the policy of the homeowner whose unlicensed contractor did the damage.

              This.

              The damaged home insurer will go after the insurer of the tree owner , possibly in court, or more likely as a negotiated settlement. The next layer could be action against the tree cutter. The following layer of action will involve the tree homeowner's insurance rates going up significantly, as they should.

              I'm thinking of how tall a 140 foot tree is, and wondering how anyone, homeowner or amateur tree cutter, could be so foolish.

              1 Reply Last reply
              • IvorythumperI Ivorythumper

                @Catseye3 said in "Licensed, bonded and insured...." not.:

                All this talk of trees is reminding me to follow up on a story recited here a few months ago. I've been putting this off because, I'm embarrassed to say, I can't remember whose story it was. (Ivorythumper's?) Anyway, about the jerkwad neighbors who allowed their tree's debris to fall in IT's -- if it was IT -- yard, and a dire court battle was looming.

                I've been curious to know the outcome of this. If you're reading this, IT -- if it's IT -- can you give us a followup?

                If it's someone else, please forgive my poor memory. No offense intended.

                If someone reading this remembers whose story it was, can you let me know? Thanks.

                Timely!!! Our lawyer just sent a love letter to their lawyer advising them of the lawivorythumper v..JPG .

                brendaB Offline
                brendaB Offline
                brenda
                wrote on last edited by
                #20

                @Ivorythumper
                What a wonderfully written letter, and yes, have the neighbors move the fence and turn it so the correct side faces your property.

                What nincompoops your neighbors are. There is no longer any need to care one whit what they think or want. They forfeited any expectation of your family caring about their wishes, which is further evidence of their stupidity.

                If they decide to go to court, they will lose so badly, and have the bill for both sides of the case. Make them pay a very large sum for all of it, please. Be sure to share that with us as well. It's reassuring to see riduculous behavior be repaid in this way. 😊

                IvorythumperI 1 Reply Last reply
                • IvorythumperI Ivorythumper

                  @Catseye3 said in "Licensed, bonded and insured...." not.:

                  All this talk of trees is reminding me to follow up on a story recited here a few months ago. I've been putting this off because, I'm embarrassed to say, I can't remember whose story it was. (Ivorythumper's?) Anyway, about the jerkwad neighbors who allowed their tree's debris to fall in IT's -- if it was IT -- yard, and a dire court battle was looming.

                  I've been curious to know the outcome of this. If you're reading this, IT -- if it's IT -- can you give us a followup?

                  If it's someone else, please forgive my poor memory. No offense intended.

                  If someone reading this remembers whose story it was, can you let me know? Thanks.

                  Timely!!! Our lawyer just sent a love letter to their lawyer advising them of the lawivorythumper v..JPG .

                  MikM Offline
                  MikM Offline
                  Mik
                  wrote on last edited by
                  #21

                  @Ivorythumper

                  You have a good lawyer. Too bad you don't have good neighbors.

                  For the life of me I cannot understand why people act like this toward neighbors.

                  “I am fond of pigs. Dogs look up to us. Cats look down on us. Pigs treat us as equals.” ~Winston S. Churchill

                  1 Reply Last reply
                  • brendaB brenda

                    @Ivorythumper
                    What a wonderfully written letter, and yes, have the neighbors move the fence and turn it so the correct side faces your property.

                    What nincompoops your neighbors are. There is no longer any need to care one whit what they think or want. They forfeited any expectation of your family caring about their wishes, which is further evidence of their stupidity.

                    If they decide to go to court, they will lose so badly, and have the bill for both sides of the case. Make them pay a very large sum for all of it, please. Be sure to share that with us as well. It's reassuring to see riduculous behavior be repaid in this way. 😊

                    IvorythumperI Offline
                    IvorythumperI Offline
                    Ivorythumper
                    wrote on last edited by Ivorythumper
                    #22

                    @brenda said in "Licensed, bonded and insured...." not.:

                    @Ivorythumper
                    What a wonderfully written letter, and yes, have the neighbors move the fence and turn it so the correct side faces your property.

                    What nincompoops your neighbors are. There is no longer any need to care one whit what they think or want. They forfeited any expectation of your family caring about their wishes, which is further evidence of their stupidity.

                    If they decide to go to court, they will lose so badly, and have the bill for both sides of the case. Make them pay a very large sum for all of it, please. Be sure to share that with us as well. It's reassuring to see riduculous behavior be repaid in this way. 😊

                    The weird thing is that she's a world expert in game theory, behavior psychology, and ethics; full professor at an Ivy; consults for World Bank, UNICEF, and Gates Foundation; dozens and dozens of peer-reviewed publications, and a couple of books by Cambridge University Press, etc.

                    And yet a nincompoop. 😄

                    brendaB MikM 2 Replies Last reply
                    • Catseye3C Offline
                      Catseye3C Offline
                      Catseye3
                      wrote on last edited by
                      #23

                      Yay! Luv the lawyer! S/he is all, yes, turkeys, we are in full possession of the facts, the law pertaining, and the available remedies, so stick that in your pipe and smoke it.

                      Looking forward to seeing their response.

                      Success is measured by your discipline and inner peace. – Mike Ditka

                      1 Reply Last reply
                      • IvorythumperI Ivorythumper

                        @brenda said in "Licensed, bonded and insured...." not.:

                        @Ivorythumper
                        What a wonderfully written letter, and yes, have the neighbors move the fence and turn it so the correct side faces your property.

                        What nincompoops your neighbors are. There is no longer any need to care one whit what they think or want. They forfeited any expectation of your family caring about their wishes, which is further evidence of their stupidity.

                        If they decide to go to court, they will lose so badly, and have the bill for both sides of the case. Make them pay a very large sum for all of it, please. Be sure to share that with us as well. It's reassuring to see riduculous behavior be repaid in this way. 😊

                        The weird thing is that she's a world expert in game theory, behavior psychology, and ethics; full professor at an Ivy; consults for World Bank, UNICEF, and Gates Foundation; dozens and dozens of peer-reviewed publications, and a couple of books by Cambridge University Press, etc.

                        And yet a nincompoop. 😄

                        brendaB Offline
                        brendaB Offline
                        brenda
                        wrote on last edited by
                        #24

                        @Ivorythumper said in "Licensed, bonded and insured...." not.:

                        @brenda said in "Licensed, bonded and insured...." not.:

                        @Ivorythumper
                        What a wonderfully written letter, and yes, have the neighbors move the fence and turn it so the correct side faces your property.

                        What nincompoops your neighbors are. There is no longer any need to care one whit what they think or want. They forfeited any expectation of your family caring about their wishes, which is further evidence of their stupidity.

                        If they decide to go to court, they will lose so badly, and have the bill for both sides of the case. Make them pay a very large sum for all of it, please. Be sure to share that with us as well. It's reassuring to see riduculous behavior be repaid in this way. 😊

                        The weird thing is that she thinks she's a world expert in game theory, behavior psychology, and ethics; full professor at an Ivy; consults for World Bank, UNICEF, and Gates Foundation; dozens and dozens of peer-reviewed publications, and a couple of books by Cambridge University Press, etc., and has convinced others she's an expert.

                        And yet a nincompoop. 😄

                        One last thing, and I'll be generous to her with this question. Is she merely following her husband's lead to keep peace in her own home, or is she fully engaged in the nincompoopery with him?

                        IvorythumperI 1 Reply Last reply
                        • HoraceH Offline
                          HoraceH Offline
                          Horace
                          wrote on last edited by
                          #25

                          The best way to deal with annoying neighbors is to learn karate. Then let it casually drop in conversation that you’re a brown belt, no big deal, and that you karate chop people pretty much all the time.

                          Education is extremely important.

                          1 Reply Last reply
                          • IvorythumperI Ivorythumper

                            @brenda said in "Licensed, bonded and insured...." not.:

                            @Ivorythumper
                            What a wonderfully written letter, and yes, have the neighbors move the fence and turn it so the correct side faces your property.

                            What nincompoops your neighbors are. There is no longer any need to care one whit what they think or want. They forfeited any expectation of your family caring about their wishes, which is further evidence of their stupidity.

                            If they decide to go to court, they will lose so badly, and have the bill for both sides of the case. Make them pay a very large sum for all of it, please. Be sure to share that with us as well. It's reassuring to see riduculous behavior be repaid in this way. 😊

                            The weird thing is that she's a world expert in game theory, behavior psychology, and ethics; full professor at an Ivy; consults for World Bank, UNICEF, and Gates Foundation; dozens and dozens of peer-reviewed publications, and a couple of books by Cambridge University Press, etc.

                            And yet a nincompoop. 😄

                            MikM Offline
                            MikM Offline
                            Mik
                            wrote on last edited by
                            #26

                            @Ivorythumper said in "Licensed, bonded and insured...." not.:

                            @brenda said in "Licensed, bonded and insured...." not.:

                            @Ivorythumper
                            What a wonderfully written letter, and yes, have the neighbors move the fence and turn it so the correct side faces your property.

                            What nincompoops your neighbors are. There is no longer any need to care one whit what they think or want. They forfeited any expectation of your family caring about their wishes, which is further evidence of their stupidity.

                            If they decide to go to court, they will lose so badly, and have the bill for both sides of the case. Make them pay a very large sum for all of it, please. Be sure to share that with us as well. It's reassuring to see riduculous behavior be repaid in this way. 😊

                            The weird thing is that she's a world expert in game theory, behavior psychology, and ethics; full professor at an Ivy; consults for World Bank, UNICEF, and Gates Foundation; dozens and dozens of peer-reviewed publications, and a couple of books by Cambridge University Press, etc.

                            And yet a nincompoop. 😄

                            Sounds like they’re jus cheap bastards.

                            “I am fond of pigs. Dogs look up to us. Cats look down on us. Pigs treat us as equals.” ~Winston S. Churchill

                            1 Reply Last reply
                            • brendaB brenda

                              @Ivorythumper said in "Licensed, bonded and insured...." not.:

                              @brenda said in "Licensed, bonded and insured...." not.:

                              @Ivorythumper
                              What a wonderfully written letter, and yes, have the neighbors move the fence and turn it so the correct side faces your property.

                              What nincompoops your neighbors are. There is no longer any need to care one whit what they think or want. They forfeited any expectation of your family caring about their wishes, which is further evidence of their stupidity.

                              If they decide to go to court, they will lose so badly, and have the bill for both sides of the case. Make them pay a very large sum for all of it, please. Be sure to share that with us as well. It's reassuring to see riduculous behavior be repaid in this way. 😊

                              The weird thing is that she thinks she's a world expert in game theory, behavior psychology, and ethics; full professor at an Ivy; consults for World Bank, UNICEF, and Gates Foundation; dozens and dozens of peer-reviewed publications, and a couple of books by Cambridge University Press, etc., and has convinced others she's an expert.

                              And yet a nincompoop. 😄

                              One last thing, and I'll be generous to her with this question. Is she merely following her husband's lead to keep peace in her own home, or is she fully engaged in the nincompoopery with him?

                              IvorythumperI Offline
                              IvorythumperI Offline
                              Ivorythumper
                              wrote on last edited by
                              #27

                              @brenda not at all… she’s a force of nature and he’s a very sweet guy.

                              1 Reply Last reply
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