Wednesday, September 22

Ways to Protect You If Purchasing a Roofing Contractor

There’s no such thing to be overprotective when it comes to your house and your finances. There are many of roofing contractors out there which 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 learn these 4 simple ways to safeguard yourself whenever choosing a roofing contractor.

Workers Compensation
Problem: You hire a roofing contractor to correct a flow on your own roof. One of their employees decides not to utilize proper safety procedures and falls, breaking his leg. The employee holds you responsible to cover his medical expenses, when he was hurt on your own property.

Solution: Roofers Compensation is a form of insurance covering roofing injuries. If your roofing contractor has workers compensation, any injured employees are entitled to recoup expenses for hospital bills and being out of work. Be sure that your roofing contractor has workers compensation so you are saved the problem 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 unexpected 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 one’s building. You get paying to correct the damages yourself.

Solution: If damage occurs to your house or building that’s the fault of a roofing contractor, you intend to be sure they’ve good liability insurance. This may 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’s almost like there is no coverage at all. Try to find coverage that doesn’t exclude water damage caused by leaving a roof open.

Business License
Problem: You hire a new roofing company to focus on your roof. A few months later you find a leak. You try to get hold of the business, but can’t find their information. You try to look them up by their business license and you will find that there was never a company license issued for that company. You’re forced to pay for the repairs yourself.

Solution: Check ahead of time your roofing contractor has a company license. Should they don’t have a license, it could be a sign which they don’t know very well what they are doing. The organization could easily disappear or go out of business.

In their state of Utah, your roofing company must have a shingle license and a general roofing license to put in a pitched roof. A set roof installation only needs a general roofing license.

A broad contractor is legally able to put in a roof without a roofing license if they’ve a general contractor license. However Roofing Services, there has been plenty of cases of general contractors branching out and installing roofs themselves if they lack the appropriate training. This causes problems for building owners as well as home owners. It is great for a general contractor to truly have a roofing license in addition to their general contractors license.

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

If your roofing contractor is in the middle of focusing on your roof and you will find they’ve given fraudulent business license information, (in Utah) you have the choice to terminate their service right away. You’re not required to cover anything to the contractor because they certainly were operating illegally. You can then look for a qualified contractor to correct your roof and finish the job.

Lien Waiver
Problem: Your roof has been completed and you pay 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 discover your contractor didn’t pay his supplier and that you are now accountable for that payment. It has happened and sometimes happens to you.

Solution: Make sure to request a lien waiver when the task is completed and when you pay. A lien waiver simply states that if the contractor fails to make his payments to a supplier or employees, you’re not responsible to cover them. It’s ultimately in position to safeguard the house or building owner from paying twice. If you get 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.

Protect Yourself
Though it could be uncomfortable, it is essential to safeguard yourself from issues like these. Ask to see evidence of your roofing contractor’s workers compensation, liability insurance and business license. Also, be sure they are ready to sign a lien waiver once your roof is completed.

If you decide on a respected, experienced contractor, these types of issues will not be described as a problem in the first place. Find reviews and testimonials for the contractor to see what some of their other customer’s experiences have been.

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