Tips on how to Protect Yourself When Choosing a Roofing Contractor

There is no such thing as being over defensive when it comes to your home and your finances. There are plenty of roofing contractors out there that are ready to bend the rules 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 know these 4 simple ways to protect yourself when choosing a roofing contractor.

Workers Compensation
Problem: You hire a roofing contractor to fix a leak on your roof. Among their employees decides not to use proper safety procedures and drops, breaking his leg. The employee holds you responsible to pay his medical expenses, because he was harm on your property.

Solution: Roofers Settlement is a type of insurance covering roof injuries. If a roofing contractor provides workers compensation, any injured workers 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 trouble and expenses of paying individuals bills yourself.

Liability Insurance
Problem: Your roofing contractor leaves your roof uncovered after removing your shingles. That night there is an unexpected tornado. Water seeps into your home and damages your sheet rock, carpet and some nice furniture. Your roofer contractor has liability insurance, but there are exclusions preventing coverage of the interior of your building. You end up paying to fix the damages yourself.

Alternative: If damage occurs to your home or even building that is the fault of a roofer contractor, you want to be sure they have good liability insurance. This will cover everything from broken windows to damaged interiors as mentioned in the situation above. Some contractors have liability insurance, however 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 caused by leaving a roof open.

Company License
Problem: You hire a brand new roofing company to work on your roof. A few months later you notice a leak. You try to contact the company, but cannot find their information. You attempt to look them up by their business license and you find that there was by no means a business license issued for that corporation. You are forced to pay for the repairs yourself.

Solution: Check ahead of time that your roofing contractor has a business permit. If they don’t have a license, it could be a sign that they don’t know what they are doing. The organization could easily disappear or walk out business.

In the state of Ut, your roofing company should have the shingle license and a general roof license to install a pitched roof. A flat roof installation only requires a general roofing license.

A general contractor is legally able to install a roof without a roofing license if they have a general contractor license. However , there have been lots of cases of general contractors branching out there and installing roofs themselves when they lack the proper training. This causes problems for building owners as well as home owners. It is ideal for a general contractor to have a roofing license in addition to their general contractors license.

In Utah, the amount for a general roofing licence is definitely S280. The general contractors license will be B100.

If your roofing contractor is in the middle of working on your roof and you find that they have given fraudulent business permit information, (in Utah) you have the choice to terminate their service right away. You are not required to pay anything to the particular contractor because they were operating illegally. You can then find a qualified contractor to repair your roof and finish the job.
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Lien Waiver
Problem: Your roof has been completed and you pay the contractor. Nevertheless , a few weeks later, the contractor’s supplier contacts you requesting a payment for the materials installed on your roof. You find that your contractor did not pay his supplier and that you are now accountable for that payment. This has happened and may happen to you.

Solution: Be sure to ask for a lien waiver when the job is completed and before you pay. The lien waiver simply states that when the contractor fails to 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 even building owner from paying two times. If you receive the lien waiver before you decide to pay, it is conditional upon your payment. However , once your payment has cleared, the lien waver gets to be unconditional without any additional paperwork.

Guard Yourself
Though it may be uncomfortable, it is very important protect yourself from issues like these. Ask to see proof of your roofer contractor’s workers compensation, liability insurance coverage and business license. Also, be sure they are willing to sign a mortgage waiver once your roof is completed.

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