Handyman Remoding Services Llc

Before the project started, I ask Ryan (contractor) and Kelly (project manager) if I required a permit. I was told only 'structural' jobs required permits and this was not considered structrual. When I went to fix the mess, I found out that a permit had been required. I trusted my contractor to give me accurate information. Ryan did not enclose the construction area in any way. There was concrete dust and chunks throughout the entire house which damaged my furnace. He also cut through the duct work in two places. With the type of ducts I had, they had to be supported during excavation or they could cause cave-ins through out the entire system. Cave-in were cause in 3 other areas. Ryan did not take any precautions. When Ryan removed the toilet he did not cap the standpipe. My area flooded and I wound up with raw sewage in the construction area which then followed the pipe line into the crawl space. I was in contact with Kelly though out and finally stopped the project until we could get some resolution. Her solution was to ask if have Ryan put up plastic at that point and to hire a cleaning crew at the end of the project would I let the project continue. I gave her an itemized list of what needed to be done before the project could resume. Ryan came and pick up his tools and left. No debris pickup was ever done. Kelly stopped communicating with me. I called their insurance agent (Auto Owners Insurance Co.) Several weeks later I got cc:'d on a letter from their insurance carrier to Avondale stating that Handyman Remodeling Services LLC had subcontracted the work out to Avondale Customs, Inc. and that they had a hold-harmless clause with them. So they claimed they were not responsible. This was the first time I found out Ryan was a subcontractor. Avondale's insurance company, Country Financial, was cc:'d on the letter and I contacted them. They claim I didn't have a contract with Avondale Customs, Inc so they were not responsible and"In, addition, please be advised that our insured's policy exlcudes his work, therefore, any property damage you are claiming that is related to work performed by our insured is excluded by the policy." that Avondale didn't have insurance to cover this type of claim. I went back to Handyman's insurance company and was told they would not talk to me unless I hired an attorney and had the attorney contact them. I have tried diligently to find an attorney to handle this, but so far no luck because their physical location is out of state even though they are listed on Cyberdrive Illnois. Their website states "3. Are you Insured and Bonded? Yes, we are, and this is extremely important because it protects you, the homeowner. If a craftsman is not insured or bonded, you could be responsible for workers compensation and medical costs if they were to get hurt on your premises." Email I received from Kelly with the quote states "-we are fully insured," When I hired another contractor to fix the mess, I found out that Ryan had only left a 12' space for the shower door to open. Even if I wasn't handicapped, that is an unrealistic opening. Obviously Ryan had no idea what he was doing throughout the project. I have gotten most of the money I paid them back. However, when I went to return the supplies purchased, over $300 of merchandizing was missing and I did not get back my deposits. I spent $21,508 fixing the damages they did. ALL of the damages could have been avoided if Ryan had taken proper precautions and not taken a job he did not have the expertise to do.. I am a senior on social security. That $21,508 was a big chunk of my savings. .