When you hire a roofing contractor to come work on your home, you want to make sure it is a safe proposition. You do not want the job to be handled unprofessionally. You also want to make sure you are not liable in the possible event that a worker injures himself on your roof.
So lets consider some important questions to ask the roofers you call out to your home when getting estimates and discussing possible repairs.
Here are three questions you should ask any company that tries to lure your business in the field of roof repair.
- Is your company insured?
Having insurance means that the company can cover worker’s compensation costs for its employees. If a roofing worker gets injured – and roofing is very dangerous work, so injuries are fairly common – you need to know that their liability coverage will protect you not only from injury liability, but from any damage that injury could do to your property. Your own homeowners’ insurance generally does not cover workers’ accidents, so if the roofing company does not have worker’s comp coverage, then you personally might be responsible to pay those hospital costs out of pocket.
- Do you hire subcontractors? If so, are they insured?
It is not uncommon for roofing companies to subcontract out some of the work. This may save both of you some money. But, if they do farm out some of the labor, you need to know that those workers are fully covered with liability insurance and worker’s compensation protection.
- Do you have a roofing contractor license?
The state of Ohio does not license construction contractors. However, local residential work requires a license, and this is administered by Hamilton County’s building department. Any roofing professional is required to fill out an application to be a Home Improvement Contractor, either as a general contractor or as a limited contractor.