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How can I save money on my homeowners insurance policy?
What should I ask from a roofing contractor?
After I hire a contractor what issues might come up?
What does a contractor expect from a homeowner?
Do any or all of the following:
- Renail decking as per code (For tear-offs.)
- Peel-N-Stick Dry-In System - Secondary water barrier system.
- 50 Yr. / Lifetime - Up to 130 MPH rated shingles.
- Improve roof truss wall connections.
Yes we will fill out your insurance mitigation forms for your SAVINGS!
1. Proof of a Valid Contractors License
Ask all potential contractors to see their state-issued licences. Make sure your contractor's license is current and active. To verify a contractor's license go to www.myfloridalicense.com or call 1.850.487.1395.
Check with the Department of Professional Regulation, 1.850.487.1395 or your local building department for current status of contractors and subcontractors your considering. Do they have any violations?
2. Proof of Liability Insurance (Certificate of Liability Coverage)
Ask for a certificate of general liability insurance from any contractor. Check the insured dates to confirm the insurance is up to date and that this contractor is insured for any interior damages caused by leaving a roof improperly open. This is called an "open roof policy". A contractor may carry general liability insuraance but NOT with an open roof policy. NOTE: Most certificates provided by the inusrance company have the name of the contractor on it and the option to provide a copy of the certificate with your name on it assuring that you are covered.
3. Proof of Workman's Compensation Insurance
Ask for a certificate of workman's comp insurance. This will provide evidence that the employees of the contractor are covered in the event of an injury on your property. This a protection for you, the customer.
4. Valid and signed contract. What makes a contract valid? a minimum of the following is required:
a. Must be signed by both parties
b. Agreed upon all terms in writing, no verbal clauses - they could be legally binding.
c. Tenative start date in writing / weather permitting.
d. Approximate completion date.
Not more that 20% down according to the media. Reputable contractors normally request a small binder only - $200-$400. Note: Some contractors ask for no money down on acceptance, there may be questions regarding validity of such a contract!! Florida state law requires any contractor accepting over 10% down must start the job within 90 days. Suggestion: Special order metal roofing is extremely expensive - request to pay directly to the supplier then verify dates when materials will be made available.
5. Are there any subcontractors?
6. Are there senior citizen discounts or other discounts available?
7. Who will remove and reinstall my solar panels?
8. Are the warranties transferable, workmanship & manufacturers?
9. Do you have good tarps at jobsite in case of a surprise rain?
10. Discuss issues of water tightness when no one is on the jobsite. Daily clean-up issues, tools, equipment, trailers, trucks etc. that could be left onsite.
1. Verify permits were pulled and inspections are completed.
2. Don't allow job to start without a copy of a recorded Notice of Commencement and Permit issued from your local building department posted on the jobsite. NOTE: Permit required for $1,000.00 of improvements or more.
3. Who is in charge at the jobsite if you have concerns?
4. How can I get in touch with you?
5. Restroom issues with roofing crew. Suggestion: Do not let them use your bathroom. (Unless in garage or pool area)
6. Will I get a printed manufacturer's warranty for my files. What about service warranties?
Do I get a Release/Waiver for Labor & Materials used on the jobsite? When does the permit come down off the jobsite?
Your contractor will also be expecting several things of you. Be thorough, state your concerns. Good communication is NEVER the cause of problems.
Your contractor will be asking for:
1. Good communication. Have any questions, please ask!
2. Your confidence in him/her and the crew.
3. Access to electric
4. Access to locked screened areas to do a good clean-up.
5. No parked vehicles in driveway, boats, toys, etc. - it is a construction site
6. When you are available during the day and how you can be contacted
7. Attention to safety is the number one priority - please be cautious when coming and going from the home or if you are having visitors. Especially small children. This is a construction site.
8. Prompt payment upon invoicing
9. If contractor did a good job - everything we promised - would you consider allowing us to put a job sign in your yard for a couple of weeks?
10. If we lived up to your expectations, would you refer us? this is the best advertising tool for a contractor and the least expensive.