There is no such thing to be overprotective when it comes to your residence and your finances. There are lots of roofing contractors on the market that are willing to bend the principles to simplify things for themselves, resulting in problems for you personally and your roof. Even honest contractors make mistakes every once in a while. That’s why it’s important to understand these 4 simple ways to guard yourself when selecting a roofing contractor.
Problem: You hire a roofing contractor to repair a flow in your roof. Certainly one of their staff decides not to make use of proper safety procedures and falls, breaking his leg. The employee holds you responsible to pay for his medical expenses, when he was hurt in your property.
Solution: Roofers Compensation is a form 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 so that you are saved the trouble 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 home and damages your sheet rock, carpet and some nice furniture. Your roofing contractor has liability insurance, but you will find exclusions preventing coverage of the inner of one’s building. You get paying to repair the damages yourself.
Solution: If damage occurs to your residence or building that is the fault of a roofing contractor, you want to be certain they’ve good liability insurance. This will cover anything from broken windows to damaged interiors as stated 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. Try to find coverage that doesn’t exclude water damage caused by leaving a roof open.
Problem: You hire a brand new roofing company to focus on your roof. A few months later you observe a leak. You try to contact the company, but can’t find their information. You try to appear them up by their business license and you discover that there is never a small business license issued for that company. You are forced to pay for the repairs yourself.
Solution: Check ahead of time that the roofing contractor has a small business license. If they don’t have a license, it might be a sign that they don’t know very well what they’re doing. The business could easily disappear or go out of business.
In the state of Utah, your roofing company must have a shingle license and a broad roofing license to install a pitched roof. A set roof installation only takes a general roofing license.
A general contractor is legally able to install a roof without a roofing license if they’ve a broad contractor license. However Roofing Contractors, there have been a lot of cases of general contractors branching out and installing roofs themselves when they lack the appropriate training. This causes problems for building owners along with home owners. It is great for a broad contractor to truly 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 center of taking care of your roof and you discover that they have given fraudulent business license information, (in Utah) you have the choice to terminate their service right away. You are not required to pay for anything to the contractor because they certainly were operating illegally. You can then look for a qualified contractor to repair your roof and finish the job.
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 in your roof. You discover that the contractor did not pay his supplier and that you’re now accountable for that payment. It’s happened and sometimes happens to you.
Solution: Make sure you request a lien waiver when the work is completed and when you pay. A lien waiver simply states that when the contractor fails to produce his payments to a supplier or employees, you are not responsible to cover them. It is ultimately in place to guard the house or building owner from paying twice. If you obtain 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.
Though it may be uncomfortable, it is essential to guard yourself from issues like these. Ask to see proof your roofing contractor’s workers compensation, liability insurance and business license. Also, be certain they’re willing to sign a lien waiver once your roof is completed.
If you select a reliable, experienced contractor, most 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.