How to Protect Yourself When Choosing a Roofing Contractor

There is no such thing as being over protective when it comes to your home and your finances. There are plenty of roofing contractors out there that are willing to bend the rules to simplify things for themselves, resulting in problems for you and your roofing contractors syracuse ny. Even honest contractors make mistakes every once in a while. That’s why it’s important to know these 4 simple ways to protect yourself when choosing a roofing contractor.

Workers Compensation
Problem: You hire a roofing contractor to fix a leak on your roof. One of their employees 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 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 recover expenses for hospital bills and being out of work. Be sure that your roofing contractor has workers compensation so that 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 is an unexpected storm. Water seeps into your home and damages your sheet rock, carpet and some nice furniture. Your roofing contractor has liability insurance, but there are exclusions preventing coverage of the interior of your building. You end up paying to fix the damages yourself.

Solution: If damage occurs to your home or building that is the fault of a roofing contractor, you want to be sure they 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 company offers so many exclusions that it is almost like there is 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 work on your roof. A few months later you notice a leak. You try to contact the company, but can’t find their information. You try to look them up by their business license and you find that there was never a business license issued for that company. You are forced to pay for the repairs yourself.

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