There is not any such thing to be over protective with regards to your home as well as your finances. There are numerous roofing contractors out there which are willing to bend the rules to simplify things for themselves, resulting in problems for you and your roof. Even honest contractors make mistakes every once in a while. That’s why it is important to know these 4 simple ways to protect yourself whenever choosing a roofing contractor.
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 pay his medical expenses, because he was hurt on your property.
Solution: Roofers Compensation is really a kind 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. Be sure 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 unexpected storm. Water seeps into your home and damages your sheet rock, carpet and some nice furniture. Your roofing contractor has liability insurance, but there are exclusions preventing coverage of the interior of your building. You wind up paying to fix the damages yourself.
Solution: If damage occurs to your home or building that is the fault of a roofing contractor, you intend to be sure they have good liability insurance. This will cover anything from broken windows to damaged interiors as stated in the problem above. Some contractors have liability insurance, but their insurance provider offers so many exclusions that it is almost like there is no coverage at all. Search for coverage that doesn’t exclude water damage and mold caused by leaving a roof open.
Problem: You hire a fresh roofing company to work on your roof. A couple of months later you see a leak. You try to contact the company, but can’t find their information. You make an effort to look them up by their business license and you find that there was never a small business license issued for that company. You’re forced to cover the repairs yourself.
Solution: Check ahead of time that your roofing contractor includes a business license. If they don’t have a license, it could be a sign that they have no idea what they are doing. The business could easily disappear or walk out business.
In hawaii of Utah, your roofing company must have a shingle license and an over-all roofing license to install a pitched roof. A set roof installation only requires a general roofing license.
An over-all contractor is legally in a position to install a roof without a roofing license if they have an over-all contractor license. However, there have been lots of cases of general contractors branching out and installing roofs themselves when they lack the correct training. This causes problems for building owners and also home owners. It is perfect for a general contractor to possess a roofing license in addition to their general contractors license.
In Utah, the quantity for an over-all roofing licence is S280. The general contractors license is B100.
If your roofing contractor is in the middle 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 right away. You are not necessary to pay anything to the contractor because they were operating illegally. After that you can find a qualified contractor to fix your roof and finish the work.
Problem: Your roof has been completed and you also pay the contractor. However, a couple weeks later, the contractor’s supplier contacts you requesting a fee for the materials installed on your roof. You discover your contractor did not pay his supplier and that you are now in charge of that payment. It has happened and can eventually you.
Solution: Make sure to request a lien waiver once the job is completed and before you pay. A lien waiver simply states that when the contractor fails to make his payments to a supplier or employees, you aren’t responsible to cover them. It is ultimately in place to safeguard the home or building owner from paying twice. Baton Rouge Roofing Companies In the event that you have the lien waiver before you pay, it is conditional upon your payment. However, once your payment has cleared, the lien waver becomes unconditional without the additional paperwork.