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.
A standard home insurance policy offers general coverage against a variety of hazards. A  dwelling fire  policy offers narrower coverage at what's typically a substantially lower price. Despite the name, dwelling fire policies actually cover more than just fire-and smoke-related damage.eep in mind that your dwelling fire policy may not provide enough coverage for all your needs and risks. For example, if you own a home in a flood plain, you may need to purchase a flood insurance policy. See how much you could save today on your home insurance.