HI

There is no 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 guidelines to simplify things for themselves, leading to problems for you and your roof. Even honest contractors make mistakes every occasionally. That’s why it is important to know these 4 simple methods to protect yourself whenever choosing a roofing contractor.

Workers Compensation
Problem: You hire a roofing contractor to fix a leak on your roof. One of their workers 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 have entitlement to recover expenses for hospital bills and being unemployed. Make sure that your roofing contractor has workers compensation so that you will are saved the trouble 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 plus some nice furniture. Your roofing contractor has liability insurance, but there are exclusions preventing coverage of the interior of your building. You end up paying to repair the damages yourself.

Solution: If damage occurs to your house or building this is the fault of a roofing contractor, you want to be sure they will have good liability insurance. This will 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 is almost like there is absolutely no coverage at all. Look 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 see a leak. You make an effort to contact the company, but can’t find their information. You make an effort to look them up by their business license and you also find that there was never a business license issued for that company. You’re forced to cover the repairs yourself.

Solution: Check ahead of time that your roofing contractor has a business license. If they don’t possess a license, it could be a sign that they have no idea what they are doing. The business could easily disappear or go out of business.

In hawaii of Utah, your roofing company must 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.

An over-all contractor is legally able to install a roof without a roofing license if they have a general contractor license. However, there were many cases of contractors branching out and installing roofs themselves if they lack the proper training. This causes problems for building owners along with home owners. It is ideal for a general contractor to get a roofing license besides their general contractors license.

In Utah, the quantity for an over-all roofing licence is S280. The overall contractors license is B100.

If your roofing contractor is in the middle of working on your roof and you find that they will have given fraudulent business license information, (in Utah) you have the option to terminate their service right away. You are not required to pay anything to the contractor because they were operating illegally. You can then find a qualified contractor to fix your roof and finish the work.

Lien Waiver
Problem: Your roof has been completed and you also pay the contractor. However, Owens Corning sustainable shingles , the contractor’s supplier contacts you requesting a fee for the materials installed on your own roof. You discover that your contractor did not pay his supplier and that you will be now responsible for that payment. This has happened and can happen to you.

Solution: Be sure you request a lien waiver once the job is completed and before you pay. A lien waiver simply states that when 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 protect the home or building owner from paying twice. If you have the lien waiver before you pay, it is conditional upon your payment. However, once your payment has cleared, the lien waver becomes unconditional without the additional paperwork.