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.
The homeowner may elect to get a named perils policy and only declare coverage against fire, theft and hail, while leaving the earthquake and flooding coverage off the policy. Keep in mind that a broad coverage policy does not necessarily guarantee your property will be covered against all forms of perils.