There is no 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 guidelines to simplify things for themselves, leading to problems for you as well as 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 whenever choosing a roofing contractor.

Workers Compensation
Problem: You hire a roofing contractor to repair a leak on your own roof. One of their workers 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 really a type 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 is an urgent storm. Water seeps into your house 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 end up paying to fix the damages yourself.

Solution: If damage occurs to your house or building this is the fault of a roofing contractor, you intend to be sure they will have good liability insurance. This will cover anything from broken windows to damaged interiors as mentioned in the problem above. Some contractors have liability insurance, but their insurance company offers so many exclusions that it’s 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 work on your roof. A few months later you see a leak. You make an effort to contact the company, but can’t find their information. You make an effort to look them up by their business license and you also find that there is never a business license issued for that company. You are forced to pay for the repairs yourself.

Solution: Check ahead of time that your roofing contractor has 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 the state of Utah, your roofing company should have a shingle license and a general roofing license to install a pitched roof. A set roof installation only requires a general roofing license.

A general contractor is legally able to install a roof with out a roofing license if they have an over-all contractor license. However, there were a great deal of cases of general contractors branching out and installing roofs themselves when they lack the correct training. This causes problems for building owners and home owners. It is perfect for a general contractor to possess a roofing license besides their general contractors license.

In Utah, the quantity 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. 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 few weeks later, the contractor’s supplier contacts you requesting a fee for the materials installed on your roof. You discover your contractor did not pay his supplier and that you are now responsible for that payment. This has happened and can eventually you.

Solution: Be sure to request a lien waiver when 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. Fort Lee Underpinning 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.