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I,m still waiting for the letter from the insurance companies so I can work it out myself,but how many people are going to ask the sub-contractor for his insurance policy number and then ring up and find out if they are covered before they step inside the property,from my experience it can go...

I rang up the insurance companies about this and was told by both that I was not covered if a subcontractor was cutting back some tree and it went into the roof sections,but that was only over the phone I'm still waiting for it to come in the post,then work it out..maybe different with other...