There is absolutely no such thing as being over defensive when it comes to your home and your finances. There are plenty of roofing contractors out there that are prepared to bend the rules to simplify points 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 roofer contractor.

Workers Compensation
Problem: You hire a roofing contractor to correct a leak on your roof. Among their employees decides not to make use of proper safety procedures and falls, breaking his leg. The worker holds you responsible to pay their medical expenses, because he was hurt on your property.

Solution: Roofers Compensation is a type of insurance covering roof injuries. If a roofing contractor offers workers compensation, any injured workers are entitled to recover expenses for hospital bills and being out of work. Make sure that your roofing contractor has employees compensation so that you are saved the problem and expenses of paying all those bills yourself.

Liability Insurance
Problem: Your roofing contractor leaves your homes roof uncovered after removing your shingles. That night there is an unexpected surprise. Water seeps into your home plus damages your sheet rock, carpeting and some nice furniture. Your roofer contractor has liability insurance, yet there are exclusions preventing coverage of the interior of your building. You end up paying to fix the damages yourself.

Solution: If damage occurs to your home or even building that is the fault of a roofer contractor, you want to be sure they have good liability insurance. This will cover everything from broken windows to broken interiors as mentioned in the situation above. A few contractors have liability insurance, but their insurance company offers so many exclusions that it must be almost like there is no coverage at all. Look for coverage that doesn’t exclude water damage caused by leaving a roof open.

Company License
Problem: You hire a new roofing company to work on your roof. A few months later you notice a drip. You try to contact the company, but aren’t find their information. You attempt to look them up by their company license and you find that there was never a business license issued for that firm. You are forced to pay for the fixes yourself.

Solution: Check ahead of time that the roofing contractor has a business permit. If they don’t have a license, it could be a sign that they don’t know what they are doing. The organization could easily disappear or walk out business.

In the state of Utah, your roofing company should have a shingle license and a general roof license to install a pitched roof. A flat roof installation only needs a general roofing license.

A general contractor is legally able to install a roofing without a roofing license if they have a general contractor license. However , there have been a lot of cases of general contractors branching out there and installing roofs themselves when they lack the proper training. This causes problems for building owners in addition to home owners. It is ideal for a general contractor to have a roofing license in addition to their own general contractors license.

In Utah, the number for a general roofing licence will be S280. The general contractors license is definitely B100.

If your roofing contractor is within the middle of working on your roof and you discover that they 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 particular contractor because they were operating illegally. You can then find a qualified contractor to fix your roof and finish the job.

Lien Waiver
Problem: Your roof has been finished and you pay the contractor. However , a few weeks later, the contractor’s provider contacts you requesting a transaction for the materials installed on your roof. You find that your contractor did not pay his supplier and that you are now accountable for that payment. This has happened and may happen to you.

Solution: Be sure to demand 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 protect the home or building owner from paying twice. Here’s more in regards to Towson roofing company visit the internet site.
If you receive the lien waiver before you decide to pay, it is conditional upon your transaction. However , once your payment offers cleared, the lien waver gets unconditional without any additional paperwork.

Shield Yourself
Though it may be uncomfortable, it is important to protect yourself from issues like these. Ask to see proof of your roofer contractor’s workers compensation, liability insurance and business license. Also, make certain they are willing to sign a lien waiver once your roof is completed.

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