Are There Many Roofing Repair Companies That Do Not Have Insurance?

Are there many roofing repair companies that do not have insurance? There are a lot of roofing repair companies out there that don't have insurance! Buyer beware! There are many roofers out there who are...

There are many roofers out there who are not properly insured, bonded, or have other dubious business practices. Lanay Hebert is an expert in roofing repairs and owns Allied Roofing in Austin, Texas. She says, "Because of all the recent hail storms in the area lately, there are a lot of what I like to call storm chasers around. They are coming from Florida, where they had the hurricanes a while back. There are a lot of roofers that are working out of their trucks. They may or may not provide a warranty. If another storm comes along, say in another state, they're out of here. So, your warranty really is not worth the paper it's written on, because what is the chance they're going to come back and fix something if they are in another state working on other storm jobs? "

Hebert also notes that sometimes these "storm chasers" will attempt to partner with established companies in the area. They ask if they can use the established company's phone number and advertising for a percentage of the jobs they will do while in town. So she says a good question to ask a potential roofer would be, "Are they home-based in the town or area that the resident lives in?"

You should also ensure that potential roofers are licensed, bonded, and insured. This protects the customer from responsibility for any accidents or property damaged during the job. The minimum a roofer should provide is liability insurance. When a roofer carries the proper insurance, the customer is not responsible for any water damage or other property damage that may occur during the project, but instead will be compensated through the roofer's insurance policy. If the roofer does not have insurance these potential problems will have to be repaired out of the customer's own pocket. The same holds true for workers' compensation insurance. If the roofer carries workers' compensation insurance, then he and any of his employees are covered in the case of an accident or injury on the job. If not, this too may fall on the customer's shoulders. Don't be afraid to ask for proof of these items and make sure they are valid and current. You can check with the appropriate state agency in your area to see what requirements they enforce for licenses, bonding, and insurance.

Not having proper insurance, bonding, or licensing is just one sign that a roofer is likely to perform substandard work. Since roof repairs and replacement can be so costly, you want to make sure that you hire a quality professional. Before hiring a roofer you may want to visit one of their work sites in your area. This will allow you to observe their work habits and how well they care for their equipment and vehicles. You should ask for their business card and note that it provides a permanent local address, contact information, and licensing and bonding credentials. You can also ask whether they belong to any professional organizations such as NAHB (National Association of Home Builders) or NRCA (National Roofing Contractors Association), which would imply that they take pride in their profession and keep up with the latest developments in the industry.

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