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All Forum Posts by: Maria Teo

Maria Teo has started 17 posts and replied 35 times.

Post: Additional Insured on contractors' insurance?

Maria TeoPosted
  • California
  • Posts 35
  • Votes 8

Thanks @Kenneth Cowan

My insurance agent told me when hiring a general contractor, I  should request they add me as additional insured on their policy. I guess that is the optimal way to do things, but I'm still curious to know how many people put this in to practice. 

Post: Additional Insured on contractors' insurance?

Maria TeoPosted
  • California
  • Posts 35
  • Votes 8

Hoping I can revive this thread. Is additional insured necessary for every job or just major jobs like roofing, remodeling, foundation etc. Do you only require this of general contractors, all subcontractors or design professionals (engineers, architects, etc)? I can imagine a small business bulking at the extra paperwork if you just need them to fix a switch or change an electrical panel. Thanks

Post: Hiring experts when you are not one

Maria TeoPosted
  • California
  • Posts 35
  • Votes 8

Thanks for the replies. 

When hiring professionals like architects or engineers, what type of insurance should they carry? I am not hiring a large firm, but an individual engineer.

Thanks,

Carolyn

Post: Hiring experts when you are not one

Maria TeoPosted
  • California
  • Posts 35
  • Votes 8

Thanks Greg. Follow up... when consulting/interviewing prospective engineers is it worth having "as-built" plans in hand?

The engineer I'm considering suggested drawing up "as-built" plans so we can "see" the building's structure. Once I have them, he said I could take them to someone else if I wanted to. Is that accepted practice to have one engineer draw plans and then go with an other engineer for final design? Or is their an implicit understanding, though no official contract as yet, that I will contract him to do the final work?

I want to be sure I'm appropriately managing the expectations of people I might be working with.

Post: Hiring experts when you are not one

Maria TeoPosted
  • California
  • Posts 35
  • Votes 8

How do you feel confident in hiring a professional when you don't have any background to evaluate their expertise. I know it is best to start with recommendations of people you've already worked with but I'm still early in my "career" and don't have a trusted solid network established and even then things don't always work out. 

Here's my story. I have two buildings which require a soft story retrofit. For Building A, a contractor I've worked with recommended Engineer 1. As the project scope increased I hired Architect. Seems the Engineer 1 was only interested in drawing up a quick plan and moving on. So Architect recommended Engineer 2 who is a partner in a seemingly a reputable firm. Engineer 2's firm  partner works with the city on large city projects and planning. A year later, news breaks that the city is suing firm's partner for fraudulent work. Technically Engineer 2 who oversaw my plans wasn't involved though he is being dragged into the suit by extension. Architect assures me this issue with the other partner and city doesn't impact the soundness of my engineering plans.


Still I'm not keen to work with this firm again. So for Building 2 I got recommendations for other engineers.  I only hear back from one.  Engineer 3 seems honest (gut feeling) and mentions that this building should get a retrofit. Engineer 1 had signed off that the building didn't need a retrofit. According to Engineer 3 that wasn't technically wrong by the language of the ordinance, but misses the "spirit" of the ordinance, that is sufficient structural integrity. Later learned Engineer 1 never physically when down to the foundation, so I am inclined to believe Engineer 3.

The undertaking for Building 2 is going to be costly. Engineer 3 has done other soft story work, though I don't know of this scope. However I like that he isn't pressuring me to do anything quickly and seems happy to talk me through the process. It is hard to find an available engineer these days but should I still try to get a second opinion from another engineer? 

I guess my main question is at what point can you feel confident in trusting a professional when what they are doing is well outside your scope of knowledge? What is sufficient due diligence and what is just paranoia?

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