There is no such thing to be over protective when it comes to your home and your finances. There are plenty of roofing contractors out there which are willing to bend the rules to simplify things for themselves, leading to problems for you as well as your roof. Even honest contractors make mistakes every once in a while. That’s why it is critical to know these 4 simple methods to protect yourself whenever choosing a roofing contractor.
Workers Compensation
Problem: You hire a roofing contractor to fix a leak on your own roof. One of their workers decides never to use proper safety procedures and falls, breaking his leg. The employee holds you responsible to cover his medical expenses, because he was hurt on your own property.
Solution: Roofers Compensation is a type of insurance covering roofing injuries. If a roofing contractor has workers compensation, any injured employees are entitled to recover expenses for hospital bills and being out of work. Make sure that your roofing contractor has workers compensation in order that you are saved the difficulty and expenses of paying those bills yourself.
Liability Insurance
Problem: Your roofing contractor leaves your roof uncovered after removing your shingles. That night there is an unexpected storm. Water seeps into your home and damages your sheet rock, carpet plus some nice furniture. Your roofing contractor has liability insurance, but you can find exclusions preventing coverage of the interior of your building. You end up paying to repair the damages yourself.
Solution: If damage occurs to your house or building that is the fault of a roofing contractor, you intend to be sure they have good liability insurance. business roof solutions will cover anything from broken windows to damaged interiors as mentioned in the situation above. Some contractors have liability insurance, but their insurance provider offers so many exclusions that it is almost like there is absolutely no coverage at all. Search for coverage that doesn’t exclude water damage and mold resulting from leaving a roof open.
Business License
Problem: You hire a new roofing company to focus on your roof. A couple of months later you see a leak. You make an effort to contact the business, but can’t find their information. You make an effort to look them up by their business license and you also find that there is never a small business license issued for that company. You’re forced to cover the repairs yourself.
Solution: Check in advance that your roofing contractor includes a business license. If they don’t have a license, it may be a sign that they don’t know what they are doing. The company could easily disappear or go out of business.
In hawaii of Utah, your roofing company should have a shingle license and a general roofing license to install a pitched roof. A flat roof installation only takes a general roofing license.
A general contractor is legally able to install a roof without a roofing license if they have a general contractor license. However, there were many cases of contractors branching out and installing roofs themselves if they lack the correct training. This causes problems for building owners together with home owners. It is ideal for a general contractor to possess a roofing license as well as their general contractors license.
In Utah, the quantity for a general roofing licence is S280. The general contractors license is B100.
If your roofing contractor is in the center of working on your roof and you also find that they have given fraudulent business license information, (in Utah) you have the choice to terminate their service immediately. You are not necessary to pay anything to the contractor since they were operating illegally. You can then find a qualified contractor to repair your roof and finish the work.
Lien Waiver
Problem: Your roof has been completed and you pay the contractor. However, a few weeks later, the contractor’s supplier contacts you requesting a payment for the materials installed on your roof. You discover your contractor did not pay his supplier and that you will be now responsible for that payment. It has happened and can eventually you.
Solution: Be sure to request a lien waiver once the job is completed and before you pay. A lien waiver simply states that if the contractor fails to make his payments to a supplier or employees, you aren’t responsible to cover them. It really is ultimately in place to protect the house or building owner from paying twice. If you have the lien waiver before you pay, it really is conditional upon your payment. However, once your payment has cleared, the lien waver becomes unconditional without the additional paperwork.