Top 10 10 Tips With ROOFING CONTRACTOR
There is not any such thing as being over protective when it comes to your home and your finances. There are numerous roofing contractors out there that are willing to bend the rules 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’s important to know these 4 simple ways to protect yourself whenever choosing a roofing contractor.
Workers Compensation
Problem: You hire a roofing contractor to repair 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 cover his medical expenses, because he was hurt on your own property.
Solution: Roofers Compensation is 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 unemployed. Be sure that your roofing contractor has workers compensation so you are saved the trouble and expenses of paying those bills yourself.
energy efficiency : Your roofing contractor leaves your roof uncovered after removing your shingles. That night there’s an urgent storm. Water seeps into your house and damages your sheet rock, carpet and 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 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 problem above. Some contractors have liability insurance, but their insurance company offers so many exclusions that it is almost like there is no coverage at all. Search for coverage that doesn’t exclude water damage and mold resulting from leaving a roof open.
Business License
Problem: You hire a new roofing company to work on your roof. A few months later you notice a leak. You make an effort to contact the business, but can’t find their information. You try to look them up by their business license and you find that there is never a business license issued for that company. You are forced to pay for the repairs yourself.
Solution: Check ahead of time that your roofing contractor includes a business license. If they don’t have a license, it may be a sign that they don’t know what they are doing. The company could easily disappear or walk out business.
In hawaii of Utah, your roofing company should have a shingle license and a general roofing license to install a pitched roof. A set roof installation only takes a general roofing license.
An over-all contractor is legally in a position to install a roof with out a roofing license if they have a general contractor license. However, there were many cases of general contractors branching out and installing roofs themselves if they lack the correct training. This causes problems for building owners along with home owners. It is ideal for a general contractor to have a roofing license in addition to 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 find that they have given fraudulent business license information, (in Utah) you have the option to terminate their service immediately. You are not necessary to pay anything to the contractor because they were operating illegally. After that you can find a qualified contractor to fix your roof and finish the job.
Lien Waiver
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 fee for the materials installed on your 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 you request a lien waiver when 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 aren’t responsible to cover them. It really is ultimately in place to safeguard the house or building owner from paying twice. If 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.