Asked To Use My License And Insurance - Contractor Licensing - Contractor Talk

Asked To Use My License And Insurance

 
Thread Tools Search this Thread Display Modes
Old 02-19-2012, 09:10 PM   #1
Pro
 
jb4211's Avatar
 
Trade: General Contractor ~ Property Maintenance
Join Date: Jul 2010
Location: Philadelphia, Pa
Posts: 5,855
Rewards Points: 2,306

Asked To Use My License And Insurance


I wasn't going to post this as I wasn't sure how I felt or how to explain the situation.

A friend of mine is a roofer for the city and does side work (roofing) on weekends. He became buddies with a realtor and was asked to give an estimate to complete some roofing repairs on a few properties in foreclosure or bank owned.

He did the estimates. Apparently the bank requested a copy of his contractor license and certificate of insurance. He has neither.

He called me and asked to use mine.

I didn't give him a straight "no", to be honest. I tried talking him into either turning the jobs down or getting insurance and a license. I felt like I was in a really strange place. It wouldn't have mattered if he wasn't a friend of mine, but he is.

I'm curious if this has happened to anyone else?
__________________
Jon
jb4211 is offline  

Warning: The topics covered on this site include activities in which there exists the potential for serious injury or death. ContractorTalk.com DOES NOT guarantee the accuracy or completeness of any information contained on this site. Always use proper safety precaution and reference reliable outside sources before attempting any construction or remodeling task!

   

Advertisement

 

Old 02-19-2012, 09:13 PM   #2
Pro
 
dayexco's Avatar
 
Trade: entrepreneur of excavating expertise
Join Date: Mar 2006
Posts: 6,383
Rewards Points: 220

Re: Asked To Use My License And Insurance


be a great friend and tell him no fvcking way

Advertisement

dayexco is online now  
The Following 3 Users Say Thank You to dayexco For This Useful Post:
Dan_Watson (02-19-2012), jb4211 (02-19-2012), jhark123 (02-19-2012)
Old 02-19-2012, 09:14 PM   #3
Every now and then poster
 
ohiohomedoctor's Avatar
 
Trade: Home Remodeling Professional
Join Date: Dec 2010
Location: Dayton, Ohio
Posts: 13,436
Rewards Points: 3,544

Re: Asked To Use My License And Insurance


Yes and always NO.
ohiohomedoctor is offline  
The Following User Says Thank You to ohiohomedoctor For This Useful Post:
jb4211 (02-19-2012)
Sponsored Links
Advertisement
 
Old 02-19-2012, 09:14 PM   #4
Pro
 
summithomeinc's Avatar
 
Trade: Painter/Handyman
Join Date: Jan 2011
Location: Cumming, Ga.
Posts: 2,768
Rewards Points: 2,422

Re: Asked To Use My License And Insurance


Quote:
Originally Posted by jb4211 View Post
I wasn't going to post this as I wasn't sure how I felt or how to explain the situation.

A friend of mine is a roofer for the city and does side work (roofing) on weekends. He became buddies with a realtor and was asked to give an estimate to complete some roofing repairs on a few properties in foreclosure or bank owned.

He did the estimates. Apparently the bank requested a copy of his contractor license and certificate of insurance. He has neither.

He called me and asked to use mine.

I didn't give him a straight "no", to be honest. I tried talking him into either turning the jobs down or getting insurance and a license. I felt like I was in a really strange place. It wouldn't have mattered if he wasn't a friend of mine, but he is.

I'm curious if this has happened to anyone else?
The only way it could work is if you took over the job completely. Then used him as a sub. By completely I mean you make your normal profit. Otherwise all the risk is on you and he gets all the reward. And I think its illegal too.
summithomeinc is offline  
The Following User Says Thank You to summithomeinc For This Useful Post:
jb4211 (02-19-2012)
Old 02-19-2012, 09:15 PM   #5
Pro
 
Dan_Watson's Avatar
 
Trade: Remodeling Contractor/Helical Post Installer
Join Date: Mar 2008
Location: South Jersey
Posts: 4,294
Rewards Points: 2,594

Re: Asked To Use My License And Insurance


Yea, I agree. No.
Dan_Watson is offline  
The Following User Says Thank You to Dan_Watson For This Useful Post:
jb4211 (02-19-2012)
Old 02-19-2012, 09:19 PM   #6
Drywall & Painting Pro

 
Sir Mixalot's Avatar
 
Trade: Licensed Florida Drywall and Painting Contractor
Join Date: Jan 2008
Location: Melbourne Beach,Florida
Posts: 11,306
Rewards Points: 3,429

Re: Asked To Use My License And Insurance


I don't know about PA. But in Florida it's illegal to bid on a roofing job if you don't have a state roofing license.
As far as him using your license? To many liability's.
__________________
-Paul

TextureMaster.com
Checkout my YouTube Channel with 53,000 Subscribers and over 9,500,000 Views
https://www.youtube.com/paulpeck

Twitter Facebook Google+ Instagram
Sir Mixalot is offline  
The Following User Says Thank You to Sir Mixalot For This Useful Post:
jb4211 (02-19-2012)
Old 02-19-2012, 09:20 PM   #7
Pro
 
jb4211's Avatar
 
Trade: General Contractor ~ Property Maintenance
Join Date: Jul 2010
Location: Philadelphia, Pa
Posts: 5,855
Rewards Points: 2,306

Re: Asked To Use My License And Insurance


Quote:
Originally Posted by summithomeinc View Post
The only way it could work is if you took over the job completely. Then used him as a sub. By completely I mean you make your normal profit. Otherwise all the risk is on you and he gets all the reward. And I think its illegal too.
Well, that's sort of what he was alluding to - sort of. As he already gave the estimate there wasn't enough money in the job.

Plus, to be honest, I don't know this realtor. I may not want to work for that guy.

Also, I've done roofing in the past and that's where I want to leave it...in the past. I want to leave the roofing to the roofers - completely.
__________________
Jon
jb4211 is offline  
Old 02-19-2012, 09:21 PM   #8
Pro
 
Brickie's Avatar
 
Trade: One on top of Two
Join Date: Jun 2006
Location: Indiana
Posts: 1,444
Rewards Points: 570

Re: Asked To Use My License And Insurance


Quote:
Originally Posted by jb4211 View Post


I'm curious if this has happened to anyone else?

Yes, It has. I know quite well having been in your buddies shoes, as well as, being in your shoes on this topic.

Putting aside my personal feelings on the scam known as licensing, I would recommend that you tell your friend NFW
__________________
Indiana is a Right To Work State. Proud To Be Non-Union
Brickie is offline  
The Following User Says Thank You to Brickie For This Useful Post:
jb4211 (02-19-2012)
Old 02-19-2012, 09:23 PM   #9
Pro
 
BamBamm5144's Avatar
 
Trade: Everything Exterior, Mostly Roofing.
Join Date: Jul 2008
Location: Wisconsin
Posts: 7,181
Rewards Points: 2,786

Re: Asked To Use My License And Insurance


Quote:
Originally Posted by jb4211

Well, that's sort of what he was alluding to - sort of. As he already gave the estimate there wasn't enough money in the job.

Plus, to be honest, I don't know this realtor. I may not want to work for that guy.

Also, I've done roofing in the past and that's where I want to leave it...in the past. I want to leave the roofing to the roofers - completely.
Well, first off, I highly doubt your policy even covers roofing an secondly, even if it does, it won't cover him if something does happen (the certificate would be in your name anyway) and thirdly, DON'T DO IT!
BamBamm5144 is offline  
The Following User Says Thank You to BamBamm5144 For This Useful Post:
jb4211 (02-19-2012)
Old 02-19-2012, 09:33 PM   #10
Chris
 
PowerWash's Avatar
 
Trade: Pressure Washing
Join Date: Mar 2011
Location: Charleston, SC
Posts: 260
Rewards Points: 192

Re: Asked To Use My License And Insurance


I get "friends" that ask if I will let them use my builders license sometimes. I always tell them no. Most of them are not licensed any more because of their own fault of having bad credit and can't get bonded.

Q: Why can't you get bonded? A: Because you could not run a business properly! ---

So why would I include you in my business. Even though I am not currently using my builders license, it does not mean that I don't have future plans for it. It costs me $100 dollars a year for my bond and $180 every two years for the license. I left building with a good name and plan on going back to it someday, with a good name.
__________________
Pressure Washing Charleston SC - Pressure Washing Summerville SC Pressure Washing: Charleston, Summerville, West Ashley, Mt. Pleasant, Daniel Island, SC - Pressure Washing
PowerWash is offline  
The Following User Says Thank You to PowerWash For This Useful Post:
jb4211 (02-19-2012)
Old 02-19-2012, 09:36 PM   #11
PRO
 
BrandConst's Avatar
 
Trade: General Contractor
Join Date: May 2011
Location: Houston, TX
Posts: 1,934
Rewards Points: 1,000

Re: Asked To Use My License And Insurance


I guess there are enough no's to persuade you to kindly say HELL NO!
BrandConst is offline  
Old 02-19-2012, 09:47 PM   #12
Pro
 
Brickie's Avatar
 
Trade: One on top of Two
Join Date: Jun 2006
Location: Indiana
Posts: 1,444
Rewards Points: 570

Re: Asked To Use My License And Insurance


Quote:
Originally Posted by jb4211 View Post
Well, that's sort of what he was alluding to - sort of. As he already gave the estimate there wasn't enough money in the job.
Your buddy needs to tell the realtors the truth. Back in my Union days we used to do a lot of side jobs on the weekends. We would tell the realtors, etc., up front that we don't have a license & aren't insured. Guess what, more often than not, we got the work.
__________________
Indiana is a Right To Work State. Proud To Be Non-Union
Brickie is offline  
The Following User Says Thank You to Brickie For This Useful Post:
jb4211 (02-19-2012)
Old 02-19-2012, 09:49 PM   #13
Pro
 
jb4211's Avatar
 
Trade: General Contractor ~ Property Maintenance
Join Date: Jul 2010
Location: Philadelphia, Pa
Posts: 5,855
Rewards Points: 2,306

Re: Asked To Use My License And Insurance


Quote:
Originally Posted by BrandConst View Post
I guess there are enough no's to persuade you to kindly say HELL NO!
That plus my wife. I told her when I goT home and she emphatically said hell no.

I just wouldn't be able to bring myself to ask someone to use their license and/or insurance. I think it's just a bit much.
__________________
Jon

Last edited by jb4211; 02-20-2012 at 12:33 PM.
jb4211 is offline  
Old 02-19-2012, 10:39 PM   #14
Pro
 
VinylHanger's Avatar
 
Trade: I'll do that for 500 bucks.
Join Date: Jul 2011
Location: Oregon
Posts: 9,688
Rewards Points: 10,344

Re: Asked To Use My License And Insurance


Quote:
Originally Posted by jb4211 View Post
I just wouldn't be able to bring myself to ask someone to use their license and/or insurance. I think it's just a bit much.
Guys who don't have one, don't understand what goes into keeping it and making a living at the same time. It is never a big deal to ask someone when you have no clue.
__________________
Your emergency does not constitute a problem with my Constitution.
VinylHanger is online now  
Old 02-19-2012, 10:47 PM   #15
I own stock in FotoMat!
 
480sparky's Avatar
 
Trade: 132 on Bush, I've got him at gunpoint!
Join Date: Jan 2009
Location: Iowa
Posts: 11,934
Rewards Points: 11,736

Re: Asked To Use My License And Insurance


In some places, this is illegal.

In all places, this is just plain stoopid.

Advertisement

__________________
This post has been modified from its original version. It has been formatted to fit this screen and edited for content.
480sparky is offline  
The Following 2 Users Say Thank You to 480sparky For This Useful Post:
ohiohomedoctor (02-19-2012), summithomeinc (02-19-2012)


Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Join Now... It's Fast and FREE!

I am a professional contractor
I am a DIY Homeowner
Drywall Talk is for
PROFESSIONAL CONTRACTORS ONLY!

At DrywallTalk.com we cater exlusivly to professional contractors who make their living as a contractor. Knowing that many homeowners and DIYers are looking for a community to call home, we've created www.DIYChatroom.com DIY Chatroom is full of helpful advices and perfect for DIY homeowners.

Redirecing in 10 seconds
No Thanks
terms of service

Already Have an Account?