There is no such thing to be over protective with regards to your home and your finances. There are plenty of roofing contractors out there which 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’s important to know these 4 simple ways to protect yourself whenever choosing a roofing contractor.

Workers Compensation
Problem: You hire a roofing contractor to repair 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 property.

Solution: Roofers Compensation is really a kind of insurance covering roofing injuries. In case 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 is an urgent storm. Water seeps into your home and damages your sheet rock, carpet plus 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 repair 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 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 no coverage at all. Look 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 couple of months later you notice a leak. You try to contact the business, 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 small 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 possess a license, it may be a sign that they have no idea what they are doing. The company could easily disappear or go out of business.

In hawaii of Utah, your roofing company must have a shingle license and a general roofing license to install a pitched roof. A flat roof installation only requires a general roofing license.

An over-all contractor is legally in a position to install a roof with out a roofing license if they have an over-all contractor license. However, there were plenty of cases of contractors branching out and installing roofs themselves when they lack the proper training. This causes problems for building owners together with home owners. It is perfect for a general contractor to get a roofing license besides their general contractors license.

In Utah, the number for an over-all 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. After that you can find a qualified contractor to fix your roof and finish the work.

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 happen to you.

summer heat : Be sure you 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 is ultimately in place to safeguard the home or building owner from paying twice. If you receive 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.