ROOFING CONTRACTOR: This Is What Professionals Do

There is not any such thing to be over protective when it comes to your home as well as 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 as well as your roof. Even honest contractors make mistakes every once in a while. That’s why it’s 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 own roof. One of their workers decides not 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 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. Be sure that your roofing contractor has workers compensation so you 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 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 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 can cover anything from broken windows to damaged interiors as stated in the problem 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 and mold caused by leaving a roof open.

Business License
Problem: You hire a fresh roofing company to focus on your roof. A few months later you see a leak. You try to contact the business, but can’t find their information. summer heat on your commercial roof make an effort to look them up by their business license and you also find that there was 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 don’t know 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 a general roofing license to set up a pitched roof. A set roof installation only requires a general roofing license.

An over-all contractor is legally able to install a roof without a roofing license should they have a general contractor license. However, there have been a lot of cases of contractors branching out and installing roofs themselves when they lack the correct training. This causes problems for building owners along with home owners. It is perfect for a general contractor to have 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 center 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 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 work.

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 will be now responsible for that payment. It has happened and can happen to you.

Solution: Make sure you request a lien waiver when 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 aren’t responsible to cover them. It is ultimately in place to protect the home or building owner from paying twice. In the event that 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.