There s n suh thing s bng vr protective whn t ms t ur hm nd ur finances. hr r plenty f roofing contractors n southgate michiagan ut thr tht r wllng t bend th rules t simplify things fr thmslvs, rsultng n problems fr u nd ur roof. vn honest contractors mk mistakes vr n n whl. Thats wh its mrtnt t knw ths 4 simple ways t protect urslf whn choosing roofing contractors n southgate michiagan.
Workers Compensation
Problem: Yu hire roofing contractors southgate michiagan t f leak n ur roof. n f thr employees decides nt t us proper safety procedures nd falls, breaking hs leg. h employee holds u responsible t pay hs medical expenses, bus h ws hurt n ur property.
Solution: Roofers Compensation s type f insurance covering roofing injuries. f roofing contractor hs workers compensation, n injured employees r entitled t recover expenses fr hospital bills nd bng ut f work. sur tht ur roofing contractor hs workers compensation s tht u r saved th trouble nd expenses f paying ths bills yourself.
Liability Insurance
Problem: Yur roofing contractor leaves ur roof uncovered ftr removing ur shingles. ht night thr s n unexpected storm. Water seeps nt ur hm nd damages ur sheet rock, carpet nd sm nice furniture. Yur roofing contractor hs liability insurance, but thr r exclusions preventing coverage f th interior f ur building. Yu nd u paying t f th damages yourself.
Solution: f damage occurs t ur hm r building tht s th fault f roofing contractor, u wnt t b sur th hv good liability insurance. hs will cover nthng frm broken windows t damaged interiors s mentioned n th situation bv. m contractors hv liability insurance, but thr insurance company offers s mn exclusions tht t s lmst lk thr s n coverage t ll. Lk fr coverage tht dsnt exclude water damage rsultng frm leaving roof open.
Business License
Problem: Yu hire nw roofing company t work n ur roof. fw months ltr u notice leak. Yu tr t contact th company, but nt find thr nfrmtn. Yu tr t lk thm u b thr business license nd u find tht thr ws nvr business license issued fr tht company. Yu r forced t pay fr th repairs yourself.
Solution: Check ahead f time tht ur roofing contractor hs business license. f th dnt hv license, t uld b sign tht th dnt knw wht th r dng. h company uld easily disappear r g ut f business.
In th stt f Utah, ur roofing company shuld hv shingle license nd general roofing license t install pitched roof. flat roof installation nl requires general roofing license.
A general contractor s legally bl t install roof wthut roofing license f th hv general contractor license. wvr, thr hv bn lot f cases f general contractors branching ut nd installing roofs thmslvs whn th lack th proper training. hs uss problems fr building owners s well s hm owners. t s ideal fr general contractor t hv roofing license n addition t thr general contractors license.
In Utah, th number fr general roofing licence s S. h general contractors license s B.
If ur roofing contractor s n th middle f working n ur roof nd u find tht th hv gvn fraudulent business license nfrmtn, (n Utah) u hv th option t terminate thr service rght w. Yu r nt required t pay nthng t th contractor bus th wr operating illegally. Yu n thn find qualified contractor t f ur roof nd finish th job.
Lien Waiver
Problem: Yur roof hs bn completed nd u pay th contractor. wvr, fw weeks ltr, th contractors supplier contacts u requesting payment fr th materials installed n ur roof. Yu discover tht ur contractor dd nt pay hs supplier nd tht u r nw responsible fr tht spendment. hs hs happened nd n happen t you.
Solution: sur t request lien waiver whn th job s completed nd bfr u pay. lien waiver simply stts tht f th contractor fails t mk hs payments t supplier r employees, u r nt responsible t cover thm. t s ultimately n place t protect th hm r building owner frm paying tw. f u receive th lien waiver bfr u pay, t s conditional un ur payment. wvr, n ur payment hs cleared, th lien waver bms unconditional wthut n additional paperwork.
Protect Yurslf
hugh t m b uncomfortable, t s mrtnt t protect urslf frm issues lk ths. sk t s proof f ur roofing contractors workers compensation, liability insurance nd business license. ls, b sur th r wllng t sign lien waiver n ur roof s completed.
If u choose trusted, experienced contractor, mst f ths issues will nt b problem n th frst place. Find reviews nd testimonials fr ur contractor t s wht sm f thr thr customers experiences hv bn.