How to secure yourself when a roofing contractor is selected
When it comes to your home and your finances there is no such thing as being over-protective. There’s plenty of roofing contractors out there who are willing to change the rules to improve things for themselves, causing you and your roof problems. Particularly honest businessmen make mistakes every now and then. That is why knowing these 4 easy ways to protect yourself when choosing a roofing contractor is critical from a roofer offers excellent info on this.
Problem: In order to repair a leak on your roof you employ a roofing contractor. One of their employees, breaking his leg, decides not to apply proper safety procedures and falls. The employee holds you accountable for paying his medical expenses, as he was hurt on your property.
Solution: Roofers Compensation is an insurance type covering injuries to the roofing. If a roofing contractor provides insurance for employment, any injured staff are entitled to recover costs for hospital bills and to be out of work. Make sure your roofing contractor has workers insurance so you can save yourself the hassle and costs of paying those bills.
Problem: Upon removal of your shingles your roofing contractor leaves your roof uncovered. There is an unusual storm that evening. Water flows into your home, damaging your sheet rock, carpet and some nice furnishings. Your roofing contractor does have liability insurance, but there are exclusions that prohibit coverage to your building’s interior. You end up paying yourself to repair the damage.
Solution: If a roofing contractor fails to damage your home or house, you want to make sure that they have sufficient liability insurance. This will cover everything from broken windows to damaged interiors as indicated in the above situation. Some contractors have liability insurance, but so many exclusions are offered by their insurance company that it is almost like there is no coverage. Look for coverage which does not exclude water damage caused by leaving a roof open.
Problem: In order to work on your roof, you employ a new roofing service. You find a leak a couple of months later. You are trying to get in touch with the company but can’t find their contact. Through their business license you try to look them up and you discover that there has never been a business license given for that company. You are being asked to pay yourself for the repairs.