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There is not any such thing as being over protective with regards to your home as well as your finances. There are several 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’s important to know these 4 simple methods to protect yourself when 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 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 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. 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’s 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 end 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 want 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 company offers so many exclusions that it is almost like there is absolutely no coverage at all. Look for coverage that doesn’t exclude water damage resulting from leaving a roof open.

asphalt vs metal roofing : You hire a new roofing company to work on your roof. A couple of months later you see a leak. You make an effort 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 was never a small 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 may be a sign that they don’t know what they are doing. The company could easily disappear or walk out 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 many 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 ideal for a general contractor to possess a roofing license as well as 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 have given fraudulent business license information, (in Utah) you have the option to terminate their service immediately. You are not required to pay anything to the contractor because they were operating illegally. After that you can find a qualified contractor to repair your roof and finish the job.

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 fee for the materials installed on your own roof. You discover your contractor didn’t pay his supplier and that you will be now in charge of that payment. This has happened and can eventually 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 fails to make his payments to a supplier or employees, you are not responsible to cover them. It really is ultimately in place to protect the home or building owner from paying twice. If 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 any additional paperwork.