There is not any such thing as being over protective with regards to your home and your finances. There are several roofing contractors out there which are willing to bend the rules to simplify things for themselves, leading to problems for you as well as your roof. Even honest contractors make mistakes every once in a while. That’s why it is important to know these 4 simple methods to protect yourself whenever choosing a roofing contractor.
Problem: You hire a roofing contractor to repair a leak on your roof. One of their employees decides not 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 a kind of insurance covering roofing injuries. In case 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 so that you will 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 urgent storm. Water seeps into your home and damages your sheet rock, carpet plus some nice furniture. Your roofing contractor has liability insurance, but there are exclusions preventing coverage of the inside of your building. You end up paying to repair the damages yourself.
Solution: If damage occurs to your home 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 situation above. Some contractors have liability insurance, but their insurance provider offers so many exclusions that it’s 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 focus on your roof. A couple of months later you see a leak. You make an effort 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’re forced to pay for the repairs yourself.
Solution: Check in advance that your roofing contractor includes a business license. If they don’t have a license, it may be a sign that they have no idea what they are doing. The business could easily disappear or go out of business.
In the state of Utah, your roofing company should have a shingle license and an over-all roofing 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 with out a roofing license if they have an over-all contractor license. However, there have been Edgewater Drainage & Plumbing Systems of 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 perfect for a general contractor to get a roofing license as well as their general contractors license.
In Utah, the number for a general 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 also find that they have given fraudulent business license information, (in Utah) you have the option to terminate their service immediately. You are not required to pay anything to the contractor since they were operating illegally. After that you can find a qualified contractor to repair your roof and finish the job.
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 own roof. You discover your contractor didn’t pay his supplier and that you are now responsible for that payment. It 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 if 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 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.