After a wind or hail storm, homeowners who have roof damage may be eager to hire the first contractor they meet. However, you need to be cautious when approached by unsolicited roofing contractors and company sales representatives who are offering a free inspection to check for damages after a storm.
A good piece of advice, if you didn’t personally contact the contractor, don’t let them into your house or on your roof. Unless your roof is leaking or in need of emergency repairs, you should always take your time when looking to hire a contractor.
The Better Business Bureau (BBB) states that you should never pay upfront for work to be completed and never sign a contract until you are ready to hire a contractor. Always be sure to read through documents before signing them and obtain copies of those signed documents.
When hiring a roofing contractor to fix damage to your roof, be sure to follow these five tips:
- Ask for the company’s name and address. If the company doesn’t actually have a physical location, then this is a red flag and you should move on. Also, check if the contractor is out of state. A local, well established contractor is your best solution to fix any damage.
- Ask if the company has adequate insurance coverage. All contractors should have workers’ compensation insurance to protect homeowners in the event that one of their employees gets injured on the job. They should also have liability insurance to protect the homeowner from any damage caused by workers during the repair or replacement process.
- Ask if the company has a roofing contractor license. Licensing requirements will vary by state so you will need to verify whether one is required in your area. Check with your local licensing office to make sure the contractor’s license is current.
- Ask if the company uses any roofing subcontractors. If the answer to this question is yes, check that all subcontractors have their own workers’ compensation and liability insurance, and that the subcontractors are also appropriately licensed.
- Ask if the company has a list of recent references. Ask for the three most recent projects with names, telephone numbers, and addresses. Call the owners and ask them about the performance of the contractor and whether they are satisfied with the job completed by the contractor.
For more helpful tips on hiring a contractor for roof damage to your home, contact McGrath Insurance Group at 508-347-6850 or visit us at www.mcgrathinsurance.com.
*This article is written for informational purposes only and should not be construed as providing legal advice.