There is no such thing as becoming over protective when it comes to your residence and your finances. There are a lot of roofing contractors out there that are willing to bend the guidelines to simplify items for themselves, resulting in difficulties for you and your roof. Even honest contractors make mistakes every single when in a when. That is why it’s important to know these 4 easy methods to guard yourself when choosing a roofing contractor.
Workers Compensation
Dilemma: You hire a roofing contractor to fix a leak on your roof. A single of their staff decides not to use correct safety procedures and falls, breaking his leg. The employee holds you accountable to pay his healthcare costs, mainly because he was hurt on your home.
Resolution: Roofers Compensation is a sort of insurance covering roofing injuries. If a roofing contractor has workers compensation, any injured workers are entitled to recover costs for hospital bills and becoming out of work. Be confident that your roofing contractor has workers compensation so that you are saved the difficulty and costs of paying those bills yourself.
Liability Insurance
Problem: Your roofing contractor leaves your roof uncovered just after removing your shingles. That night there is an unexpected storm. Water seeps into your household and damages your sheet rock, carpet and some nice furnishings. Your roofing contractor has liability insurance coverage, but there are exclusions preventing coverage of the interior of your constructing. You end up paying to fix the damages oneself.
Remedy: If harm happens to your dwelling or developing that is the fault of a roofing contractor, you want to be confident they have very good liability insurance. This will cover something from broken windows to damaged interiors as described in the predicament above. Some contractors have liability insurance coverage, but their insurance coverage enterprise provides so quite a few exclusions that it is nearly like there is no coverage at all. Look for coverage that does not exclude water harm resulting from leaving a roof open.
Business enterprise License
Issue: You employ a new roofing enterprise to function on your roof. A handful of months later you notice a leak. You try to speak to the company, but cannot locate their information and facts. You try to look them up by their organization license and you obtain that there was never ever a organization license issued for that business. You are forced to spend for the repairs oneself.
Solution: Verify ahead of time that your roofing contractor has a small business license. If they don’t have a license, it could be a sign that they don’t know what they are doing. The enterprise could conveniently disappear or go out of enterprise.
In the state of Utah, your roofing business must have a shingle license and a general roofing license to install a pitched roof. A flat roof installation only calls for a basic roofing license.
ramroofing.net is legally in a position to install a roof devoid of a roofing license if they have a general contractor license. On the other hand, there have been a lot of circumstances of general contractors branching out and installing roofs themselves when they lack the correct education. This causes troubles for constructing owners as nicely as household owners. It is perfect for a general contractor to have a roofing license in addition to their general contractors license.
In Utah, the quantity for a common 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 discover that they have provided fraudulent organization license information and facts, (in Utah) you have the selection to terminate their service proper away. You are not necessary to pay anything to the contractor mainly because they had been operating illegally. You can then come across a certified contractor to repair your roof and finish the job.
Lien Waiver
Difficulty: Your roof has been completed and you pay the contractor. However, a few weeks later, the contractor’s supplier contacts you requesting a payment for the components installed on your roof. You discover that your contractor did not spend his supplier and that you are now accountable for that payment. This has occurred and can happen to you.
Remedy: Be confident to request a lien waiver when the job is completed and prior to you spend. A lien waiver basically states that if the contractor fails to make his payments to a supplier or personnel, you are not responsible to cover them. It is in the end in place to guard the home or developing owner from paying twice. If you get the lien waiver ahead of you spend, it is conditional upon your payment. Even so, once your payment has cleared, the lien waver becomes unconditional without any additional paperwork.
Shield Oneself
Even though it might be uncomfortable, it is significant to defend your self from concerns like these. Ask to see proof of your roofing contractor’s workers compensation, liability insurance coverage and small business license. Also, be certain they are willing to sign a lien waiver as soon as your roof is completed.
If you select a trusted, knowledgeable contractor, most of these issues will not be a challenge in the initial spot. Uncover critiques and testimonials for your contractor to see what some of their other customer’s experiences have been.