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Thanks. Do I have to hire attorney in the claim (of insurance)? Now I cannot find them because they were evicted from their place for no money to pay rent. Their phone is not working (probably has no airtime on the cell phone). If I sue them, they have nothing to pay. I understand their situation (screw up their life).
If I make a claim, will the insurance company raise the premium or I will have hard time to find an insurance in the future?
I cannot find these guys now. They have no email or phone (answer) and they move frequently. But I have the record of paying them (contractor) and past history of payroll. If I make the claim, will the insurance company find them and may charge them for the loss claim?