When it comes to your home and your finances, there’s no such thing as being over protective. There are many roofing contractors out there who are able to change the rules to simplify things for themselves, causing you and your roof to have issues. Even honest contractors make mistakes every once and a while. That’s why knowing these simple ways to protect yourself when choosing a roofing contractor is critical.
You may find more details about this at Roofing Contractors Auburn.
Compensation for Staff
Problem: To repair a leak on your roof, you hire a roofing contractor. One of their workers, breaking his leg, tries not to use proper safety measures and falls. Since he was injured on your house, the employee keeps you liable for paying his medical costs.
Solution: Coverage for roofers is a form of insurance that covers roofing accidents. If a roofing contractor has workers compensation, all injured staff are entitled to recover costs for hospital bills and being out of work. Make sure to provide employee benefits with your roofing contractor so that you save yourself the hassle and costs of paying those bills.
Insurance of Responsibility
Problem: Upon removing your shingles, your roofing contractor leaves your roof uncovered. There was an unusual storm that night. Water plunges into your home and destroys the rock of your sheet, carpet and some good furniture. Your roofing contractor has liability protection, but there are exclusions that prohibit your building’s interior from being insured. You end up paying yourself to repair the damage.
Solution: If a roofing contractor is responsible for damage to your house or building, you want to make sure that they have sufficient liability insurance. As mentioned in the situation above, this would cover everything from broken windows to damaged interiors. Some contractors have liability insurance, but so many exclusions are provided by their insurance provider that it is almost like there is no coverage at all. Look for coverage that does not preclude exposure to water resulting from leaving open a roof.
License for Business
Problem: To work on your roof, you employ a new roofing company. You find a leak several months back. You try to get in touch with the company, but you can’t find their records. You try to look up their business licence for them and you discover that a business licence for that business has never been issued. You are expected to pay yourself for the repairs.
Solution: Verify in advance if there is a business licence for your roofing contractor. It might be an indication that they don’t know what they are doing if they don’t have a licence. The organisation could vanish quickly or go out of business.