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.
Dwelling coverage is the part of a homeowners insurance policy that may help pay to repair your home if it's damaged by certain hazards. Property damage from things like fire, hail, falling objects and theft may be covered. But, it's important to read and understand your homeowners insurance policy so you know what perils are (and are not) covered.