Also, should ANY contractor bill another or a sub for a damage claim, MUST provide proof of said damage being rectified, in writing, so there is a record of the damage and the repair and who did the repair and where. And most importantly, the cost of said repair. Itemized is ideal. No proof constitutes grounds for fraud. Now this is all assuming the contractor or subcontractor even files for taxes for his/her business. Now if they don't file, then all bets are off and you get what you deserve. But I'll say this, anyone who allows a percentage be taken for payment for any/all insurances is screwing themselves as they are limiting themselves and work. With your own insurance you can work doing what ever, when ever. When limited to one company, you can't go out on the weekend for some extra money for anybody else and be insured because you won't be covered.
Fuck I am so sorry to see that this industry is so screwed because the people working it (most, NOT all) don't have a clue.
