Page 2 of 13  system.  5 Dwyer paid cash for the work6 that Chance's invoiced on its letterhead.7 Throughout  the time Chance's and Dwyer did business, Chance's did not hold a valid Louisiana contractor's  license.  8 Chance's also apparently lacked some insurance coverage that Dwyer believed it should  have, though no evidence supported a finding that their agreement required Chance to maintain  insurance.  9  Tate did not complete the project before leaving to take employment out of state. Before  leaving Louisiana, however, Tate introduced Dwyer to another HVAC installer, Evans,  suggesting that Evan would finish his work, which Tate testified was ninety percent complete.  But Evans later declined to finish the undertaking and introduced Dwyer to Sagely's Home  Maintenance (\"Sagely's\"). Dwyer engaged Sagely's to finish the job even though the company,  like Chance's, was unlicensed.  Christopher and Alicia Dwyer eventually sued Chance's for failing to complete the  contracted work, taking money for equipment without paying the equipment vendor, installing a  water heater different from the model Dwyer had ordered, and for defective workmanship.  10 The  state court petition names only Chance's as a defendant.    5 Tate introduced largely illegible HVAC plans [Tate Exhibit 2].  6 Dwyer paid Chance's cash in the following amounts: $14,880 on January 10, 2019; $3,250 on January 10, 2019; and $10,000 on March 13, 2019 [Dwyer Exhibit, 2A, 2B, and 2C].  7 The invoices are attached to Dwyer Exhibit 2, Dwyer's state court petition against Chance's.Seenote 6.  8 June 23, 2020 letter from State of Louisiana Licensing Board for Contractors [Dwyer Exhibit 5].  9 No evidence established the types of insurance that Dwyer believed Chance's was obligated to carry, and in any event, Tate did not dispute Dwyer's testimony that Chance's worker's compensation insurance expired or was cancelled before the company undertook the work. Nor did the evidence suggest that Dwyer suffered any loss as a result of Chance's failure to provide insurance coverage.  10Dwyer v. Chance's HVAC, LLC, case no. 23718, Twentieth Judicial District Court, State of Louisiana [Dwyer Exhibit 2].  Case 20-10163 Doc 43 Filed 10/20/20 Entered 10/20/20 15:12:56 Page 2 of 13

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