There is not any such thing as being over protective when it comes to your home as well as your finances. There are several roofing contractors out there which 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 occasionally. That’s why it is critical to know these 4 simple methods to protect yourself when choosing a roofing contractor.
Problem: You hire a roofing contractor to fix a leak on your 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 own 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. Make sure that your roofing contractor has workers compensation in order 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 house 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 wind up paying to fix 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 can cover anything from broken windows to damaged interiors as mentioned in the situation above. Some contractors have liability insurance, but their insurance company offers so many exclusions that it’s almost like there is absolutely 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 focus on your roof. A couple of months later you notice a leak. You try 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 was never a small business license issued for that company. You’re forced to pay for the repairs yourself.
Solution: Check ahead of time that your roofing contractor has 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 company 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 set roof installation only takes a general roofing license.
Secaucus Drainage & Plumbing Systems is legally able to install a roof with out a roofing license should they have an over-all contractor license. However, there have been lots of cases of contractors branching out and installing roofs themselves if they lack the correct training. This causes problems for building owners and also home owners. It is perfect for a general contractor to have a roofing license as well as their general contractors license.
In Utah, the number 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 find 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 anything to the contractor because they were operating illegally. You can then find a qualified contractor to repair your roof and finish the job.
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 payment for the materials installed on your own roof. You discover your contractor did not pay his supplier and that you are now responsible for that payment. This 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 does not make his payments to a supplier or employees, you are not responsible to cover them. It really is ultimately in place to safeguard the home or building owner from paying twice. In the event that you receive 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 any additional paperwork.