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There is not any such thing as being over protective when it comes to your home and your finances. There are several roofing contractors out there which 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 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 workers 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 a kind 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 in order that you 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. durable roofing options there’s an urgent 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 interior of your building. You wind up paying to fix the damages yourself.

Solution: If damage occurs to your house or building that 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 stated in the situation above. Some contractors have liability insurance, but their insurance provider offers so many exclusions that it is almost like there is absolutely no coverage at all. Search for coverage that doesn’t exclude water damage resulting from leaving a roof open.

Business License
Problem: You hire a new roofing company to work on your roof. A few months later you notice a leak. You make an effort to contact the company, but can’t find their information. You make an effort to look them up by their business license and you find that there was never a business license issued for that company. You are forced to cover the repairs yourself.

Solution: Check in advance that your roofing contractor has a business license. If they don’t have a license, it could be a sign that they have no idea what they are doing. The business could easily disappear or go out of business.

In the state 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 in a position to install a roof without a roofing license should 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 correct training. This causes problems for building owners together with home owners. It is perfect for a general contractor to get a roofing license as well as 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 middle 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 necessary to pay anything to the contractor since 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 completed and you pay the contractor. However, a few weeks later, the contractor’s supplier contacts you requesting a payment for the materials installed on your roof. You discover that your contractor did not pay his supplier and that you will be now in charge of that payment. This has happened and can eventually you.

Solution: Be sure you request a lien waiver when the job is completed and before you pay. A lien waiver simply states that when 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 house 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.