There is not any such thing as being over protective when it comes to your home and your finances. There are many roofing contractors out there that are willing to bend the rules to simplify things for themselves, leading to 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 ways to protect yourself when 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 own property.

Solution: Roofers Compensation is a kind of insurance covering roofing injuries. In case 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 trouble 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 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 wind up paying to fix the damages yourself.

Solution: If damage occurs to your home or building this is the fault of a roofing contractor, you intend 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 provider 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 caused by leaving a roof open.

Business License
Problem: You hire a fresh roofing company to focus on your roof. A couple of months later you see a leak. You make an effort to contact the business, but can't find their information. You try to look them up by their business license and you find that there is 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 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 walk out business.

In the state of Utah, your roofing company must have a shingle license and an over-all roofing license to set up a pitched roof. A flat roof installation only takes a general roofing license.

A general 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 have been lots of cases of general contractors branching out and installing roofs themselves when they lack the correct training. This causes problems for building owners in addition to home owners. It is perfect for a general contractor to get a roofing license along with 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 also find that they have given fraudulent business license information, (in Utah) you have the choice to terminate their service right away. You are not necessary 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 that your contractor did not pay his supplier and that you are now in charge of that payment. It has happened and can happen to you.

Solution: Make 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 really is ultimately in place to safeguard the home or building owner from paying twice. If Roofing Contractor 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.

Protect Yourself
Though it can be uncomfortable, you should protect yourself from issues like these. Ask to see proof your roofing contractor's workers compensation, liability insurance and business license. Also, be sure they are ready to sign a lien waiver once your roof is completed.

If you select a trusted, experienced contractor, many of these issues will not be an issue to begin with. Find reviews and testimonials for your contractor to see what a few of their other customer's experiences have already been.

Business Name: ROCK ROOFING
Address: 1330 Lagoon Ave Ste #500
Minneapolis, MN 55408, USA
Email: [email protected]
Phone Number: (612) 504-6637