Never Lose Your ROOFING CONTRACTOR Again

June 30, 2024

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 guidelines to simplify things for themselves, resulting in problems for you as well as your roof. Even honest contractors make mistakes every once in a while. That’s why it is critical 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 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 property.

Solution: Roofers Compensation is 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. Be 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 is an unexpected storm. Water seeps into your house and damages your sheet rock, carpet and some nice furniture. Your roofing contractor has liability insurance, but you can find 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 want to be sure they have good liability insurance. Home improvement will cover anything from broken windows to damaged interiors as stated in the problem above. Some contractors have liability insurance, but their insurance company offers so many exclusions that it’s almost like there is no coverage at all. Search for coverage that doesn’t exclude water damage resulting from leaving a roof open.

Business License
Problem: You hire a fresh roofing company to work on your roof. A couple of 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 find that there was never a business license issued for that company. You’re forced to cover the repairs yourself.

Solution: Check ahead of time 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 a general roofing license to set up a pitched roof. A flat 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 an over-all contractor license. However, there were plenty of cases of general contractors branching out and installing roofs themselves when 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 besides their general contractors license.

In Utah, the number for an over-all 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 also find that they will 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 because they were operating illegally. After that you can find a qualified contractor to fix your roof and finish the job.

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 payment for the materials installed on your own roof. You discover that your contractor did not pay his supplier and that you are now responsible for that payment. This 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 when the contractor fails to make his payments to a supplier or employees, you are not responsible to cover them. It really is ultimately in place to safeguard the home or building owner from paying twice. If you have the lien waiver before you pay, it really is conditional upon your payment. However, once your payment has cleared, the lien waver becomes unconditional without the additional paperwork.

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