Flint Roofing Contractor |How To Verify Insurance Coverage?
Flint Roofing Contractor |How To Verify Insurance Coverage
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As with any home improvement project, the importance of insurance really can't be understated. You should never hire a Flint roofing contractor that does not carry both Workers Compensation Insurance and General Liability Insurance.
Of all that can go wrong on a roofing project, personal injury is about the most serious and costly liability a property owner can face. Ultimately, when there is nowhere else for an injured person to recover damages, the property owner is the number one target of any law suit.
Before work ever begins, ask your contractor who carries their Workers Compensation policy and get the name and phone number of the agent who oversees the policy. Verify the contact information you've been given by either looking it up on the internet or in the phone book. Now call the insurance agent to verify that your contractor's policy payments are current and ask for a Certificate of Insurance.
If your contractor has provided a Certificate of Insurance ahead of time, make sure you still follow through with the verification process regardless the dates showing on the certificate. It's far too easy for a fly-by-night contractor to open up an insurance policy, just to get a certificate of insurance, and then go delinquent on the policy the following month. Never take a contractors word for it that they are insured and never trust a piece of paper they've provided as final proof of coverage.
Now do the same to verify a contractor's General Liability coverage. Your contractor should have a minimum policy of $1 million dollars. When calling to verify if the policy is current, also make sure that it covers roofing specifically. It should also cover subcontracted labor if your contractor intends to sub out any portion of the project to another.