Find out why you should steer clear of roofers without insurance before you hire one.
When hiring a roofing contractor to provide services for your home or business, you probably look first at the prices the contractors charge and second at the experience of the contractor.
Some people look at testimonials and business ratings.
While these are important elements to consider, one of the first things you should ask a roofing company is whether or not they are insured.
And whether or not they answer “Yes” should decide where you go from there, because you shouldn’t let anyone on your roof if they don’t carry professional insurance. Period.
A reputable and qualified roofing contractor will not hesitate to provide any and all relevant insurance information. Roofing professionals such as JOI Roofing who have been working in the industry for quite some time, and who have developed a strong reputation, will likely have insurance, and it never hurts to receive proof of insurance before you begin working with the company.
Resist the Temptation to Hire Uninsured Roofing Contractors
Despite this, why are homeowners still tempted to hire a roofer who is uninsured?
Typically, these individuals or companies will offer prices or incentives that seem too good to be true. They need to offer below market prices because smart homeowners and business owners either will not or cannot hire them without insurance.
Many commercial and government projects, for example, require that the contractors be insured. Why do they do this? They are not permitted to hire uninsured companies or contractors primarily because uninsured contractors come with incredibly high risks for the property owner. If something were to go wrong, the cost of hiring an uninsured contractor would be far greater than originally hiring a roofing contractor with insurance.
Risks from Hiring Uninsured Contractors
The Butler Blog explains the risks associated with hiring uninsured professionals. They illustrate that if you were to hire an uninsured contractor to work in your home, and that contractor accidentally started a fire, you would be liable for all of the associated costs.
When accidents such as this occur, the property owner is liable for all costs associated with the damage and the injuries caused. As you can imagine, one slip up by a roofing contractor without insurance can lead to major expenses for the client.
Trust But Verify…
As mentioned, reputable roofing contractors are not hesitant to show off their credentials and qualifications. Most of them will even have all of the information you need regarding insurance coverage, certifications and other qualifications displayed either in their offices or on their company websites.
This does not mean that you have to, or should, trust the company at their word. You can check the validity of any licenses that are displayed with the specific licensing authority. As for insurance, the contractor should have valid and current proof of insurance, often in the form of a certificate. This too can be verified with the insurance company in question.
When validating that the company has insurance, it is wise to check which types of insurance policies are included. It is important to make certain that the contractor is adequately insured in the event that any accidents occur on your property. Preferably, they should have at least general liability and worker’s compensation insurance.
Don’t Be Afraid to Check References
In addition to verifying insurance and licensing information, one way to protect yourself is to speak with the contractor’s previous customers. Check for customer reviews online and ask the contractor for references. At JOI Roofing we put our client testimonials right on our website for you to review and contact if you like.
By doing your research, you can gain a better understanding of whether or not the roofing company will be enjoyable to work with or whether they are continually causing headaches for their clients. Look for signs in the reviews that the company is highly qualified, respectful and professional. To further protect your best interests, always make the terms of your agreement clear within your contract before any work begins.