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.
See what's covered and not covered by home insurance What is covered by home insurance Standard home insurance coverage policies provide the following types of coverage, up to the limits outlined in the policies: 1  Dwelling â Pays for damage or destruction to your house and any unattached structures and buildings, such as fences, detached garages, and storage sheds.