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.
Therefore it's a good idea for homeowners to check their broad coverage policies to make sure they do cover all the perils that they are concerned about. If the broad policy isn't sufficient, homeowners should buy a named peril policy to fill that hole in their coverage.