A damaged roof can cause damage to interior goods and problems for household occupants. When a roof is defective, a homeowner can try to fix it. However, when the job is too in depth, difficult, time-consuming, or laborious, a homeowner may need to hire a roofing contractor. Part of selecting the right one involves verifying a roofer’s credentials and insurance. The following steps can help a homeowner confirm insurance coverage for prospective Roofing Contractors in Louisville KY.
When a homeowner interviews a roofing contractor, he should ask the expert for the name of his insurance agent. A person can call this representative at a later time to verify insurance. If a roofer offers to show a homeowner proof of insurance, the homeowner should politely decline. It’s advisable to only accept proof of insurance from an insurance agent with a reputable company. This will help safeguard against fraud.
When a homeowner calls an insurance agent for insurance verification, he should request a certificate of insurance. This document is not a copy of an active insurance contract. It does, however, have details about a person’s insurance contract with the company. The insurance agent may have to get permission in writing or by phone from the roofer. When this is obtained, the insurance agent can usually send the form by fax or by mail.
A certificate of insurance contains certain parts a homeowner should understand. It has the kinds of insurance the roofer purchased. A person should look for a minimal level of worker’s compensation and general liability. An uninsured roofer can possibly sue a homeowner if he is hurt while working on the homeowner’s roof. A person should observe the policy effective date and policy expiration date. Any work done on a home should fall on or between the expiration date and the day before the effective date.
By carefully viewing a certificate of insurance, a homeowner can garner knowledge about a roof’s insurance coverage. This will help a homeowner protect his financial interests. For more information on roofing services, a person can talk to a professional with Affordable Exteriors. This company providers services for residential and commercial customers.
