There is no such thing as being over protective with regards to your home as well as your finances. There are cost-effective roofing Indianapolis out there that are willing to bend the guidelines to simplify things for themselves, leading to problems for you and your roof. Even honest contractors make mistakes every once in a while. That’s why it’s important to know these 4 simple ways 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 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 kind of insurance covering roofing injuries. If a roofing contractor has workers compensation, any injured employees are entitled to recover expenses for hospital bills and being out of work. Make sure that your roofing contractor has workers compensation so 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 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 interior of your building. You end 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. This will cover anything from broken windows to damaged interiors as mentioned in the situation above. Some contractors have liability insurance, but their insurance provider offers so many exclusions that it is almost like there is absolutely 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 fresh roofing company to focus on your roof. A couple of months later you notice a leak. You make an effort 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 are forced to cover 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 hawaii of Utah, your roofing company must have a shingle license and an over-all roofing license to set up a pitched roof. A set roof installation only takes 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 have been a great deal of cases of contractors branching out and installing roofs themselves when they lack the proper training. This causes problems for building owners and home owners. It is perfect for a general contractor to get a roofing license besides their general contractors license.
In Utah, the number for a general roofing licence is S280. The overall 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 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 repair your roof and finish the job.
Lien Waiver
Problem: Your roof has been completed and you pay the contractor. However, a couple weeks later, the contractor’s supplier contacts you requesting a fee for the materials installed on your roof. You discover that your contractor did not pay his supplier and that you will be now in charge of that payment. This has happened and can eventually 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 aren’t 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 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 any additional paperwork.