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Monica Said:

Why hire a licensed contractor?

We Answered:

David B above is correct, but it goes further than that. If he doesn't have a bond, you have no guarantee that the work will be done correctly and you have no recourse if it isn't. If he has no insurance, or worker's compensation you are totally liable for his medical expenses and can be sued for them should he or anyone working for him become injured while on your property. And, if he doesn't pay his sub-contractors, they can put liens on your home. When you go to sell the home, the county or city can require you to completely rip out all of the work he has done and replace it with work performed by a licensed contractor and inspected as it is done. Finally, if your home-owner's insurance company discovers in the future that the work was done without a permit by an unlicensed contractor, they can refuse to pay any claims with respect to that work even if it isn't the cause of the claim or didn't cause damage to any thing else, but is a part of a claim. The financial liability can wind up costing you more than you save in the long run.

Arnold Said:

Where to get the cheapest car insurance for new driver, and which combinations of options, to get it lower?

We Answered:

I doubt that just because the buildings have been razed, the insurance will go down. It is worth trying to inform them of this, though. I'm guessing the type of car you insure has less to do with the rates, than where you live and your age.