Want A Thriving Business CONCENTRATE ON ROOFING CONTRACTOR
There is no 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, leading to problems for you as well as your roof. Even honest contractors make mistakes every occasionally. That’s why it is critical 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 employees decides never to use proper safety procedures and falls, breaking his leg. The employee holds you responsible to pay 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 are entitled to recover expenses for hospital bills and being unemployed. Make 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 unexpected storm. Water seeps into your house and damages your sheet rock, carpet and some nice furniture. Your roofing contractor has liability insurance, but there are 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 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’s almost like there is 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 new roofing company to focus on your roof. Duro-Last warranties see 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 business license issued for that company. You’re forced to cover the repairs yourself.
Solution: Check in advance that your roofing contractor includes a business license. If they don’t possess a license, it could 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 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 with out a roofing license should they have an over-all contractor license. However, there were many 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 have a roofing license besides their general contractors license.
In Utah, the quantity 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 also find that they will have given fraudulent business license information, (in Utah) you have the choice 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 fix your roof and finish the work.
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 own roof. You discover that your contractor didn’t pay his supplier and that you are now responsible for that payment. It 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 fails to 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. 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.
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