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There is not any such thing to be over protective with regards 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, resulting in problems for you and your roof. Even honest contractors make mistakes every occasionally. That’s why it’s important to know these 4 simple methods to protect yourself whenever choosing a roofing contractor.

Workers Compensation
Problem: You hire a roofing contractor to fix a leak on your roof. One of their workers decides not 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 type 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 out of work. Be sure that your roofing contractor has workers compensation so you 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’s an unexpected 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 inside of your building. You wind 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 intend to be sure they will 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 is almost like there is absolutely no coverage at all. Search for coverage that doesn’t exclude water damage and mold resulting from leaving a roof open.

Business License
Problem: You hire a new roofing company to focus on your roof. A few months later you see a leak. You try 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 are forced to cover 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 company could easily disappear or walk out business.

In hawaii of Utah, your roofing company should have a shingle license and an over-all roofing license to set up a pitched roof. commercial roofing requires a general roofing license.

An over-all contractor is legally in a position to install a roof without a roofing license if they have an over-all contractor license. However, there have been many cases of contractors branching out and installing roofs themselves if they lack the correct training. This causes problems for building owners and also home owners. It is perfect for a general contractor to possess 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 have given fraudulent business license information, (in Utah) you have the option to terminate their service right away. You are not required 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 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 didn’t pay his supplier and that you will be now responsible for that payment. It has happened and can eventually you.

Solution: 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 really is ultimately in place to safeguard the house or building owner from paying twice. If 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.