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.
1 Homeowners 2 (HO2): This policy protects your property against 18 perils (including 11 perils from Homeowners 1). 2  Homeowners 3 (HO3): With this policy, your property is protected against most known perils, including some that are not covered by Homeowners 2. 3  Home.  Insurance.