There is not any such thing to be over protective when it comes to your home as well as your finances. There are numerous roofing contractors out there that 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 once in a while. That’s why it is important to know these 4 simple methods to protect yourself when choosing a roofing contractor.

Workers Compensation
Problem: You hire a roofing contractor to fix a leak on your roof. One of their employees 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 really a kind 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 unemployed. 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 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 wind up paying to fix 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 will have good liability insurance. This can cover anything from broken windows to damaged interiors as mentioned 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. Search 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 couple of months later you see a leak. You try to contact the business, but can’t find their information. You try 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 cover 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 don’t know what they are doing. The business could easily disappear or go out of business.

In hawaii of Utah, your roofing company should have a shingle license and an over-all roofing license to set up a pitched roof. A set roof installation only requires a general roofing license.

A general contractor is legally able to install a roof without a roofing license if they have an over-all contractor license. However, there were a great deal of cases of contractors branching out and installing roofs themselves if they lack the correct training. This causes problems for building owners and also home owners. It is ideal for a general contractor to possess a roofing license as well as their general contractors license.

In Utah, the quantity for a general 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 choice 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.

energy-efficient roof materials : 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 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. It has happened and can happen to you.

Solution: Make sure to request a lien waiver once 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 are not responsible to cover them. It really is ultimately in place to safeguard the house 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 the additional paperwork.