Tips on how to Protect On your own While Deciding on a Roofing Contractor
There’s no such thing as being overprotective in regards to your residence and your finances. There are plenty of roofing contractors out there which can be prepared to bend the rules to simplify things for themselves, causing problems for you 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 safeguard yourself whenever choosing a roofing contractor.
Problem: You hire a roofing contractor to fix a flow on your own roof. Certainly one of their employees decides not to use proper safety procedures and falls, breaking his leg. The employee holds you responsible to pay for his medical expenses, because he was hurt on your own property.
Solution: Roofers Compensation is a form of insurance covering roofing injuries. In case a roofing contractor has workers compensation, any injured employees are entitled to recuperate expenses for hospital bills and being out of work. Make certain that your roofing contractor has workers compensation so 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 is an unexpected 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 fix the damages yourself.
Solution: If damage occurs to your residence or building that is the fault of a roofing contractor, you want to be sure they’ve good liability insurance. This may cover anything from broken windows to damaged interiors as previously mentioned in the problem above. Some contractors have liability insurance, but their insurance company offers so many exclusions 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.
Problem: You hire a new roofing company to work with your roof. A few months later you notice a leak. You try to make contact with the organization, but can’t find their information. You try to check them up by their business license and you will find that there is never a business license issued for that company. You are forced to pay for the repairs yourself.
Solution: Check in advance that your roofing contractor has a business license. If they don’t have a license, it might be a sign which they don’t know very well what they are doing. The company could easily disappear or walk out business.
In the state of Utah, your roofing company should have a shingle license and a broad roofing license to set up a pitched roof. A set roof installation only needs a general roofing license.
A general contractor is legally able to set up a roof with out a roofing license if they’ve a broad contractor license. However, there has been a lot of cases of general contractors branching out and installing roofs themselves once they lack the correct training. This causes problems for building owners in addition to home owners. It is fantastic for a broad contractor to really have a roofing license as well as their general contractors license.
In Utah, the amount for a broad roofing licence is S280. The general contractors license is B100.
If your roofing contractor is in the center of working on your roof and you will find that they have given fraudulent business license information Commercial Roof Maintenance, (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 locate a qualified contractor to fix your roof and finish the job.
Problem: Your roof has been completed and you spend the contractor. However, 2-3 weeks later, the contractor’s supplier contacts you requesting a payment for the materials installed on your own roof. You get that your contractor didn’t pay his supplier and that you’re now in charge of that payment. It has happened and sometimes happens to you.
Solution: Make sure you request a lien waiver when the work is completed and before you pay. A lien waiver simply states that if the contractor fails to produce his payments to a supplier or employees, you are not responsible to cover them. It’s ultimately set up to safeguard the house or building owner from paying twice. If you get the lien waiver before you spend, 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 safeguard yourself from issues like these. Ask to see proof your roofing contractor’s workers compensation, liability insurance and business license. Also, be sure they are prepared to sign a lien waiver once your roof is completed.
If you choose a respected, experienced contractor, these types of issues won’t be a problem in the very first place. Find reviews and testimonials for the contractor to see what some of the other customer’s experiences have been.