There’s no such thing to be overprotective as it pertains to your home and your finances. There are many of roofing contractors available that are prepared to bend the rules to simplify things for themselves, leading to problems for you personally and your roof. Even honest contractors make mistakes every once in a while. That’s why it’s important to learn these 4 simple ways to protect yourself when choosing a roofing contractor.

Workers Compensation
Problem: You hire a roofing contractor to repair a flow in your roof. Among their workers decides not to use proper safety procedures and falls, breaking his leg. The employee holds you responsible to pay for his medical expenses, while he was hurt in your property.

Solution: Roofers Compensation is a type of insurance covering roofing injuries. If a roofing contractor has workers compensation, any injured employees are entitled to recoup expenses for hospital bills and being out of work. Be sure that your roofing contractor has workers compensation so 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. That night there’s 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 inner of one’s building. You end up paying to repair the damages yourself.

Solution: If damage occurs to your home or building that is the fault of a roofing contractor, you wish to make sure they’ve good liability insurance. This may cover anything from broken windows to damaged interiors as previously mentioned in the problem above. Some contractors have liability insurance, but their insurance company offers so many exclusions that it’s almost like there’s no coverage at all. Look for coverage that doesn’t exclude water damage 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 notice a leak. You try to make contact with the company, but can’t find their information. You try to appear them up by their business license and you find that there clearly was never a small business license issued for that company. You are forced to fund the repairs yourself.

Solution: Check ahead of time that your roofing contractor has a small business license. When they don’t have a license, it is actually a sign that they don’t know very well what they are doing. The company could easily disappear or walk out business.

In their state of Utah, your roofing company must have a shingle license and a general roofing license to install a pitched roof. An appartment roof installation only takes a general roofing license.

A general contractor is legally able to install a roof with no roofing license if they’ve a general contractor license. However Home roofing services in Burnaby, there has been a lot of cases of general contractors branching out and installing roofs themselves when they lack the proper training. This causes problems for building owners along with home owners. It is fantastic for a general contractor to really have a roofing license along with their general contractors license.

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

If your roofing contractor is in the center of taking care of 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 for anything to the contractor because these were operating illegally. Then you’re able to look for a qualified contractor to repair your roof and finish the job.

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 payment for the materials installed in your roof. You discover that your contractor did not pay his supplier and that you are now accountable for that payment. It’s happened and sometimes happens to you.

Solution: Be sure to request a lien waiver when the work is completed and when you pay. A lien waiver simply states that when the contractor fails to make his payments to a supplier or employees, you’re not responsible to cover them. It is ultimately set up to protect the home or building owner from paying twice. If you receive the lien waiver before you pay, it’s conditional upon your payment. However, once your payment has cleared, the lien waver becomes unconditional without any extra paperwork.

Protect Yourself
Though it could be uncomfortable, it is very important to protect yourself from issues like these. Ask to see evidence of your roofing contractor’s workers compensation, liability insurance and business license. Also, make sure they are prepared to sign a lien waiver once your roof is completed.

If you choose a dependable, experienced contractor, these types of issues will not be considered a problem in the very first place. Find reviews and testimonials for the contractor to see what some of these other customer’s experiences have been.