There is no such thing as being overprotective as it pertains to your house and your finances. There are many of roofing contractors available that are ready to bend the rules to simplify things for themselves, causing problems for you and your roof. Even honest contractors make mistakes every once in a while. That’s why it’s important to learn these 4 simple ways to guard yourself whenever choosing a roofing contractor.
Problem: You hire a roofing contractor to repair a flow on your roof. Certainly one of their employees decides not to utilize proper safety procedures and falls, breaking his leg. The employee holds you responsible to pay his medical expenses, when he was hurt on your property.
Solution: Roofers Compensation is a kind of insurance covering roofing injuries. In case a roofing contractor has workers compensation, any injured employees are entitled to recuperate expenses for hospital bills and being out of work. Make certain that your roofing contractor has workers compensation so that you are saved the difficulty and expenses of paying those bills yourself.
Problem: Your roofing contractor leaves your roof uncovered after removing your shingles. That night there’s an urgent storm. Water seeps into your house and damages your sheet rock, carpet and some nice furniture. Your roofing contractor has liability insurance, but there are exclusions preventing coverage of the inner of your building. You wind up paying to repair the damages yourself.
Solution: If damage occurs to your house or building that’s the fault of a roofing contractor, you wish to be certain they’ve good liability insurance. This can cover anything from broken windows to damaged interiors as previously mentioned in the specific situation above. Some contractors have liability insurance, but their insurance company offers so many exclusions it is almost like there’s no coverage at all. Search for coverage that doesn’t exclude water damage caused by leaving a roof open.
Problem: You hire a new roofing company to work on your roof. A couple of months later you observe a leak. You try to contact the business, but can’t find their information. You try to appear them up by their business license and you will find that there was never a company license issued for that company. You are forced to cover the repairs yourself.
Solution: Check ahead of time your roofing contractor has a company license. Should they don’t have a license, it is actually a sign which they don’t know very well what they’re doing. The organization could easily disappear or walk out business.
In their state of Utah, your roofing company should have a shingle license and a broad roofing license to put in a pitched roof. A set roof installation only takes a general roofing license.
An over-all contractor is legally able to put in a roof with no roofing license if they’ve a broad contractor license. However, there have been lots of cases of general contractors branching out and installing roofs themselves if they lack the proper training. This causes problems for building owners as well as home owners. It is great for a broad contractor to have a roofing license along with their general contractors license.
In Utah, the amount for a broad roofing licence is S280. The typical contractors license is B100.
If your roofing contractor is in the middle of taking care of your roof and you will find they’ve given fraudulent business license information, (in Utah) you have the option to terminate their service right away. You are not required to pay anything to the contractor because they certainly were operating illegally. Then you’re able to look for a qualified contractor to repair your roof and finish the job.
Problem: Your roof has been completed and you spend the contractor. However New Roof Installation, a couple weeks later, the contractor’s supplier contacts you requesting a payment for the materials installed on your roof. You get your contractor didn’t pay his supplier and that you are now responsible for that payment. It has happened and sometimes happens to you.
Solution: Make sure you request a lien waiver when the task is completed and when you pay. A lien waiver simply states that if the contractor fails to create his payments to a supplier or employees, you are not responsible to cover them. It’s ultimately in position to guard the home or building owner from paying twice. If you obtain the lien waiver before you spend, it is conditional upon your payment. However, once your payment has cleared, the lien waver becomes unconditional without any additional paperwork.
Though it may be uncomfortable, it is very important to guard yourself from issues like these. Ask to see proof of your roofing contractor’s workers compensation, liability insurance and business license. Also, be certain they’re ready to sign a lien waiver once your roof is completed.
If you choose a reliable, experienced contractor, many of these issues won’t be considered a problem in the first place. Find reviews and testimonials for the contractor to see what some of the other customer’s experiences have been.