Legal Question in Personal Injury in Florida

Retain your own attorney and be prepared for a lawsuit. As an owner, you may have responsibility depending on how the accident occurred.

The contractor's exemption only means that he as the officer of his corporation is not covered by w/c. Does his company have worker's compensation coverage? If so, they should take care of any claims. This is true notwithstanding the fact that the day laborer is not the list. Does the sub have coverage? If so their insurance should pay for the claims Assuming neither entity has coverage, they can both be responsible for worker's compensation or can be sued in circuit court for the injuries. The homeowner can only be responsible for negligence which they were participant in that caused the accident. Have an attorney review all the relevant facts with you and have them check with regard to the coverages on the companies involved. the link to check employer insurance coverage is

https://apps8.fldfs.com/proofofcoverage/Search.aspx

It is not the homeowner's responsibility to provide workers compensation coverage. By the nature of the work, the homeowner relies on the roofers to know what they are doing. The homeowner would not be liable unless the homeowner did something wrong that caused the worker to fall off of the roof.