Want A Thriving Business CONCENTRATE ON ROOFING CONTRACTOR

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, resulting in problems for you and 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 fix 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 pay 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 have entitlement to recover expenses for hospital bills and being out of work. Make sure that your roofing contractor has workers compensation in order that you are saved the difficulty and expenses of paying those bills yourself.

Liability Insurance
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 and some nice furniture. Your roofing contractor has liability insurance, but there are exclusions preventing coverage of the interior of your building. You wind 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 want to be sure they have good liability insurance. This will cover anything from broken windows to damaged interiors as mentioned in the situation above. Some contractors have liability insurance, but their insurance company offers so many exclusions that it’s almost like there is absolutely no coverage at all. Look for coverage that doesn’t exclude water damage and mold 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 notice a leak. You make an effort to contact the business, but can’t find their information. You make an effort to look them up by their business license and you find that there was never a business license issued for that company. You’re 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 may be a sign that they don’t know what they are doing. The company 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 takes a general roofing license.

A general contractor is legally able to install a roof without a roofing license if they have a general contractor license. However, there were lots of cases of contractors branching out and installing roofs themselves when they lack the correct training. Duro-Last causes problems for building owners together with home owners. It is ideal for a general contractor to get a roofing license in addition to 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 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 since they were operating illegally. You can then find a qualified contractor to repair your roof and finish the work.

Lien Waiver
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 that your contractor didn’t pay his supplier and that you are now responsible for that payment. It has happened and can happen to you.

Solution: Be 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 is ultimately in place to protect the house or building owner from paying twice. If you receive 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.

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