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.
However, the III recommends that homeowners extend coverage to at least $300,000. They also recommend that you consider an umbrella policy that provides up to $1 million of coverage in most policies. The average premium in the state of Texas is $1,511 a year, according to the III.