Why Most People Will Never Be Great At ROOFING CONTRACTOR
There is no such thing as being over protective with regards to your home as well as your finances. There are numerous roofing contractors out there that are willing to bend the guidelines to simplify things for themselves, resulting in problems for you as well as your roof. Even honest contractors make mistakes every once in a while. That’s why it’s important to know these 4 simple methods to protect yourself when choosing a roofing contractor.
Workers Compensation
Problem: You hire a roofing contractor to fix a leak on your roof. One of their employees 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 property.
Solution: Roofers Compensation is really a type of insurance covering roofing injuries. If a roofing contractor has workers compensation, any injured employees have entitlement to recover expenses for hospital bills and being out of work. Be sure that your roofing contractor has workers compensation so that you will are saved the trouble 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 there are 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 want to be sure they will have good liability insurance. This will cover anything from broken windows to damaged interiors as mentioned in the problem above. Some contractors have liability insurance, but their insurance company 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.
best roofing materials Illinois : You hire a fresh roofing company to work 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 try to look them up by their business license and you also find that there was never a business license issued for that company. You are forced to cover the repairs yourself.
Solution: Check in advance that your roofing contractor has a business license. If they don’t possess a license, it could be a sign that they don’t know what they are doing. The company could easily disappear or walk out business.
In the state of Utah, your roofing company must have a shingle license and an over-all roofing license to set up a pitched roof. A set roof installation only requires a general roofing license.
A general contractor is legally able to install a roof with out a roofing license if they have a general contractor license. However, there have been a great deal of cases of general contractors branching out and installing roofs themselves if they lack the correct training. This causes problems for building owners along 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 overall contractors license is B100.
If your roofing contractor is in the middle of working on your roof and you find that they will have 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 since they were operating illegally. After that you can find a qualified contractor to repair your roof and finish the work.
Lien Waiver
Problem: Your roof has been completed and you also pay the contractor. However, a few weeks later, the contractor’s supplier contacts you requesting a fee for the materials installed on your roof. You discover your contractor didn’t pay his supplier and that you are now responsible for that payment. This has happened and can happen to you.
Solution: Make 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 are not responsible to cover them. It is ultimately in place to protect the house or building owner from paying twice. If you receive the lien waiver before you pay, it is conditional upon your payment. However, once your payment has cleared, the lien waver becomes unconditional without any additional paperwork.
