You use Form 1099-MISC, Miscellaneous Income for payments of $600 or more to your subcontractors. 3. How do I determine whether my worker is an employee or subcontractor? The courts have considered many factors in deciding whether a worker is a subcontractor or an employee. They can be divided into three categories:
Most basic homeowners insurance policies will cover damage to your house and the contents caused by falling trees and tree limbs. Most storm-caused tree damage, such as ice, hail and lightning, is covered.
A broad form policy is a more common type of homeowners coverage. 1  It covers all the perils in an HO-1 policy, plus: 2  Falling objects. 3  Weight of ice, snow, or sleet. 4  Freezing of household systems like AC or heating. 5  Sudden and accidental tearing apart, cracking, burning, or bulging of pipes and other household systems.