If the contractor has already finished the work you can not legally hold back his money. What on earth would you be holding it for anyway?
Most states in the U.S do not require a contractor to be insured so you would have no legal grounds and are subject to suit by the contractor.
If your upset that he didn't have insurance, You were supposed to check that before you hired the contractor in the first place.
Holding the contractors money after the job is completed just looks like your trying to cheat the contractor out of his pay.
If the contractor wants to, he can sue you and or place a lien on your house if you fail to pay.
When you damage someones property you are liable for the costs of that damage. If you fail to pay for the damage you caused and the homeowners insurance company pays the bill, Then you now owe the Insurance company what you failed to pay to the homeowner. Its no different from an Auto Insurance accident. If you were at fault or rather "Liable" for the accident and you fail to pay the bill. The other vehicles Insurance may fix their insureds car and send you the bill. Just because someone else has to pay for the damages you caused does not mean you don't still owe the money. They only paid because you failed to pay timely. Think about this for a minute What if you Robbed a Bank. Naturally the Bank is insured so they will get their money back right away. Does that mean the bank robber gets to keep the money he stole? Of course not. If and When the Bank robber is finally caught he will still owe back the money he stole. But since the bank has already been reimbursed by its Insurer you now owe that money to the Insurance company who covered the theft.
How do I find out who has my policy I had with Commercial State Life INsurance Company
Staring a pet insurance company is extremely time consuming and capital intensive. It will take 2-5 years to get started, you will need to find an insurance company to back you and the average investment is $5mm just to get off the ground.
They actually owe you premiums back to the date of you selling your home. I would start by calling and asking to the manager of customer service and explaining the situation. They can not insure a home you do not own! Tell them to fix the problem, refund your money and fix your credit report as it pertains to insurance carriers (I forget what it is called) or you will call the Better Business Bureau, Attorney Generals office and the State Insurance Commissioner. If you are dealing with an agent or agency, the problem could lie right there. Contact the insurance company directly!
What do you mean "Sell" the life insurance policy? Once it is back in force and you are the owner, you can cash it in at any time if there is in fact a cash value. I guess you would have to better define what you mean by selling it.
how do you get money back from life insurance met
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Most of the time it's because of the money you get back. For instance, paying about 10% on your insurance will give you 5% back which is good money in my books.
Basically a massage therapist that is a subcontractor is self employed and running their own business. They will be renting space from an employer such as a spa or chiropractor and the employer will be helping to build their business. The concept of subcontractor is that the employer has work (massage) that needs to be done so they subcontract it out to a person or company - just like you would if you were building a house. As a subcontractor you will set your own hours, collect the fees, pay your expenses for doing business such as self employment taxes, supplies, licensing and liability insurance. Many employers try to get away with hiring people as subcontractors instead of employees to save money. They won't have to pay the extra employee expenses such as unemployment insurance or any benefits. It is the employers responsibility to know the correct employment status as they are the ones that will have to pay the back taxes but it is always good to consult an attorney when setting up your own business as an subcontractor.
Annuities are purchased from insurance companies. The insurance company take the money and invests it to try to make more money for the investor. They pay the buyer back in installments.
if something bad happens to you, you get money back.
You cannot receive money back on your life insurance policy because you used it for the period of time it was valid. You cannot receive money back on this policy.
That is up to the lawyers and insurance companies to determine.
I have a whole life insurance policy, how long does it take to cancel it, also can I get money back from it.
That would be a subrogation lien. One insurance company has paid another insurance company's debt, so they have the right to collect it.
You pay premiums because insurance companies are a business and they are there to make a profit. Also, the premiums you pay go into a pool of money so the insurance company can pay out claims when necessary.
Tickets are stamped non-refundable, so if you are sick you will no get your money back. You have a choice to get Travel Insurance that protects if you anything happens you get your money back.