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.
HOA+: Broad Named Perils Policy. The HOA+ Home Policy provides broader coverage than the HOA policy. It is equivalent to the HO2 policy in most states. Like the HOA, the HOA+ still lists every peril you are protected from, but the list adds six more perils. This protection covers your dwelling and your personal property. The sixteen perils are: