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There is not any such thing to be over protective when it comes to your home as well as your finances. There are plenty of roofing contractors out there which are willing to bend the rules to simplify things for themselves, leading to problems for you and your roof. Even honest contractors make mistakes every occasionally. 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 employees 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. In case a roofing contractor has workers compensation, any injured employees have entitlement to recover expenses for hospital bills and being out of work. Be sure that your roofing contractor has workers compensation so that you will 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 is an unexpected storm. Water seeps into your home and damages your sheet rock, carpet plus some nice furniture. Your roofing contractor has liability insurance, but you can find exclusions preventing coverage of the inside of your building. You wind up paying to repair the damages yourself.

Solution: If damage occurs to your house or building that is the fault of a roofing contractor, you intend to be sure they have good liability insurance. This will cover anything from broken windows to damaged interiors as stated in the situation above. Some contractors have liability insurance, but their insurance provider offers so many exclusions that it is 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 work on your roof. A few months later you see a leak. You try to contact the company, but can’t find their information. You try to look them up by their business license and you also find that there is never a business license issued for that company. You’re 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 could be a sign that they have no idea what they are doing. The business could easily disappear or walk out business.

In hawaii 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 requires a general roofing license.

A general contractor is legally in a position to install a roof with out a roofing license should they have an over-all contractor license. However, there have been plenty of cases of general 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 perfect for a general contractor to possess a roofing license in addition to their general contractors license.

In Utah, the quantity 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 have given fraudulent business license information, (in Utah) you have the choice to terminate their service right away. You are not necessary to pay anything to the contractor because 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 also pay the contractor. However, a couple weeks later, the contractor’s supplier contacts you requesting a payment for the materials installed on your own roof. You discover that your contractor did not pay his supplier and that you are now in charge of that payment. It has happened and can eventually you.

Avon : Be sure to 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 safeguard the house 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.