There is no such thing as being overprotective 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 roof. 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 experts in Bloomington Indiana.
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 from the trouble and expenses of paying those bills yourself.
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 sheetrock, 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.