Tuesday, May 30, 2006

The Question of Insurance

Insurance is an important issue when dealing with home improvement projects. Unfortunately, what is covered by insurance is frequently not clear until a problem arises, and then, it may be too late.

On the homeowner side, it is important to make sure that your contractor carries workers' compensation insurance for his employees, or you may be subject to liability if a worker is injured on the job. You must ask for a copy of your contractor's certificate of insurance to make sure he is covered.

You should also call your homeowner's policy and find out if there is anything special you need to do as a result of your improvement project. Ask what kind of scenarios are covered (generally something like water damage from the roof leaking is, but something due to a construction defect is not). Ask your broker if you need premises liability coverage, or if you need to increase the value of your insurance prior to completion of the work.

I know of one contractor who insists that he be listed as a beneficiary to protect himself if something should go wrong during the work.

The time to determine which insurance policies are in place and what kind of coverage is needed is before the job even starts. That way, everyone will be protected and there will be no nasty surprises if something goes awry.

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When we are born our brains are like empty computers waiting to be fed information. As we grow our peers act as our programmers, they supply us with the knowledge which we channel through the conscious mind into the subconscious (our hard drive). The subconscious mind is the biggest hard drive ever developed - it stores everything we come in contact with and by no means is all of this information of a positive nature.
All that we have heard, touched, smelt, tasted and seen are stored in the recesses of our minds. The subconscious mind holds on to this information until we need to recall it. For example when you were young your curiosity lead you to investigate your surroundings. When you approached a substance that was dangerous, such as fire, your parents or guardians would most likely have rebuked or scolded you if you ventured too near the flame. Perhaps you may even recall an incident when you were physically burned. Your subconscious mind then began to relate scolding (or pain) with the intense heat of the fire and would therefore feed the feelings of the scolding incident back to you whenever you got too close to fire again, thus acting as an early warning system.
This is the mechanism used by our brains to learn. It is also the same method employed by the mind in every situation. The subconscious mind has a tendency to emulate what it sees - it tends to replicate its environment. This is why so many people find themselves in similar relationships and situations that they saw their parents in while they were growing up. Most people also hold very strongly or similar views of their parents.
Think of a time when you gave yourself praise. What words did you use? Do you use the same words that your parents or peers used when they were praising you? The same is applicable when you scold yourself.

Watch your internal dialogue. Look at it closely. It takes diligence to change the way you think. When you notice yourself thinking a negative chose to think the opposite. This way you neutralise the negative thought. Now the think the positive thought again! You have just reversed the negative thinking in that moment and remember you only have this moment. No other time exists!
Daydream about what might be. Imagine things they way you wish them to be. If you catch yourself thinking "this is just a daydream - a fantasy" then stop! Think the opposite. It is not a daydream it is your reality. Now think it again.

By doing this simple procedure you will begin to retrain your subconscious mind to think positively and you will ultimately begin to consciously create a life that dreams are made of! personal development

 
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At 7:56 PM, Blogger GG Connecticut Homeowner said...

Make sure you demand Errors and Omissions Insurance. The would cover mistakes and bad workmanship.

 
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