As roofs are what provide the primary protection to homes from the weather elements, it is not uncommon to find that the shingles will succumb to wear and tear due to exposure. In the event that you require roof repairs, it is pertinent to engage the services of a professional roofing contractor. Here are a few of the queries you should have answered before enlisting the services on one of these professionals:
Is the contractor you are contemplating licensed?
Not all the states require roofing contractors to be licensed to work in this industry. However, licensing is one of the ways that the contractor can prove that they have gone through the required training and that their business is accordance to the building codes in your location. Unlicensed contractors may offer their services at a discounted rate.
Nevertheless, working with unlicensed contractors will put you at risk, as you would have no legal recourse in the event something goes wrong while they are working on your property.
Does the contractor have worker's compensation insurance?
If your roofing contractor is working with a team of people, you need to inquire about worker's compensation insurance. This insurance covers any injuries that the contractors may suffer while they are on your property. In the event the contractor does not provide this for their team and one of the workers sustains an injury, the liability may fall to you, as it is your property they were on.
It may not matter if you were not at fault. To avoid incurring medical bills, take measures to ensure you are only enlisting the services of a contractor who offers this insurance to the employees that will be on site at your premises.
Does the roofing contractor have general liability insurance?
Having liability insurance is not the only cover that the roofing contractor should have. As worker's compensation insurance covers the contractor's employees, general liability is in place to protect your home against any unfortunate eventuality.
For instance, if the contractors are welding items on your roof and end up causing a fire that damages your home, someone will have to be held accountable. If the contractor does not have this insurance, the costs of fixing the damage will fall squarely on your shoulders. It is pertinent to ensure that the contractor you are contemplating carries this cover too.
In the event that you are not convinced about the paperwork presented to you about insurance by the roofing contractor, you could always make a phone call to their provider to ascertain their legitimacy. To learn more, contact a company like Fredericksburg Builders.