There is not any such thing to be over protective when it comes to your home as well as your finances. There are plenty of roofing contractors out there that are willing to bend the rules to simplify things for themselves, resulting in problems for you as well as your roof. Even honest contractors make mistakes every occasionally. That’s why it is important 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 roof. One of their employees 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 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. Be sure that your roofing contractor has workers compensation in order that you 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 urgent storm. Water seeps into your house and damages your sheet rock, carpet and some nice furniture. Your roofing contractor has liability insurance, but you can find exclusions preventing coverage of the interior of your building. You wind up paying to repair the damages yourself.
Solution: If damage occurs to your house or building this is the fault of a roofing contractor, you intend to be sure they will 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 company offers so many exclusions that it is almost like there is no coverage at all. Look for coverage that doesn’t exclude water damage resulting from leaving a roof open.
Business License
Problem: You hire a fresh roofing company to focus on your roof. A few months later you notice a leak. You try to contact the company, but can’t find their information. You try 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 are forced to pay for the repairs yourself.
Solution: Check ahead of time that your roofing contractor includes 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 business could easily disappear or go out of business.
In hawaii of Utah, your roofing company should have a shingle license and an over-all roofing license to set up a pitched roof. A flat roof installation only takes a general roofing license.
An over-all contractor is legally in a position to install a roof with out a roofing license should they have a general contractor license. However, there were lots of cases of general contractors branching out and installing roofs themselves when they lack the proper training. This causes problems for building owners and also home owners. It is ideal for a general contractor to get a roofing license in addition to their general contractors license.
In Utah, the number 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 also find that they have given fraudulent business license information, (in Utah) you have the choice to terminate their service immediately. You are not required 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 job.
Lien Waiver
Problem: Your roof has been completed and you 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 that your contractor didn’t pay his supplier and that you will be now responsible for that payment. This has happened and can eventually you.
Solution: Make sure you request a lien waiver when the job is completed and before you pay. A lien waiver simply states that when the contractor does not make his payments to a supplier or employees, you are not responsible to cover them. It really is ultimately in place to protect the home or building owner from paying twice. bathroom remodeling houston texas 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.