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.
Your home insurance policy might cover damage to your landscaping under certain circumstances. A standard policy covers damages to âtrees, shrubs and other plantsâ resulting from fire, lightning, explosion, riot or commotion, vandalism and theft. How much it covers depends on various factors.