Hiring a Roofer in Orland Park entails learning about the roofer’s qualifications and services. It also includes verifying whether he has proper insurance. Hiring an uninsured roofer is against some state laws. Some states and local municipalities even charge people fines who are caught working with unlicensed roofers. While the majority of roofers operate under strict business practices, a small minority do not. This small fraction of unethical roofers may attempt to work under false pretenses. To guard against this, it’s important to verify the existence of a roofer’s insurance. Use the following steps for this.
If you are hesitant about asking a Roofer in Orland Park for proof of insurance, don’t be. A good roofer will be cooperative with reasonable requests. When you first talk to the roofer, politely ask him for the name of his insurance provider. This provider can be an insurance broker or an insurance agent. Call this representative to request a certificate of insurance. This document is not a copy of the insurance contract but details necessary information listed in one. If a roofer offers to show you verification, politely decline. Only accept proof of insurance from an insurance agent or broker. This will safeguard against fraud and misrepresentation.
Once you have the certificate of insurance, pay close attention to key aspects of it. The “certificate holder” will be the person the insurance representative sends this document to. In this case, you are the certificate holder. Your name should be in this area. The “producer” is the name of the insurance company and the insured is the roofer you are investigating. If you don’t see your roofer’s name this area, ask him what the full legal name of his business is. This is the name that should be under “insured”.
Ensure that you look at the “policy effective date” and the “policy expiration date”. Simply put, no work should be done on your home unless it falls on either of these dates or in between them. The certificate of insurance should also list the types of insurance and the coverage limits. It’s your responsibility to make sure the limits cover the type of work being done on your home.
Confirming that a roofer has insurance is straightforward if you can get this document. Protect your financial interest by taking the time to perform this task. Please browse around this website for roofing services.
