Contractors and Uninsured Property
This may not be the right place to ask this but I thought with so many restoration projects going, someone here may have encountered this same issue.
The house we bought is unlivable and we have been told by multiple homeowner's companies they will not insure uninhabited homes. To get the home habitable we need to have some things done, first of all a roof put on.
Will the liability insurance of the roofer (understanding that we would not work with unlicensed or uninsured for this) cover accidents on our property or would we still be liable for what his insurance won't cover? Has anyone here had this issue and is there a way to cover my butt, say, having him sign a waiver that specifies we will not be liable for any injuries or damages sustained on our property?
Also, does anyone know of any kind of insurance that DOES work with uninhabited homes?