There are many things that homeowners must consider when they need a repair done on their home that they cannot do themselves.  After shopping around for a reputable contractor, it is necessary to make sure that the one who is chosen has all of certifications and insurance coverage that is needed in case an injury were to occur during the job.  Anyone that is hired to do a home repair must have Contractors Insurance in order to do the job and this needs to be verified prior to the hiring process.  While many homeowners might not realize this, it is the job of the contractor to make sure they covered.