One of the most important actions in the hiring process for a roofing contractor is verifying the insurance of a potential roofing contractor. If you hire an uninsured roofer who is hurt while performing work on your Roofing Dayton OH, you could be held liable for his injuries. To prevent this from happening, learn how to confirm the existence of an active insurance contract. Use the following guidelines for this task.
When you interview a potential roofer, ask him for the name of his insurance agent/broker. Call this representative to request a certificate of insurance. This document is not the insurance contract itself, but specific information contained in one. The insurance agent/broker will have to contact the roofer to get written permission for this to be sent to you. After this representative gets this form from the roofer, she can send you this form. When you get it, carefully scrutinize it to ensure that certain criteria are met.
The producer of this certificate is the name of the roofer’s insurance company. The certificate holder is the person or party that requests this document. Your name or the name of your company should be in this place. Pay close attention to the policy effective date and the policy expiration date. Any work done on your Roofing service Dayton OH should be done on either of these dates or a date that fall in between these two dates. The certificate of insurance should have the roofer’s policy number. It should list the types of insurance he has. The roofer may have additional insurance that does not pertain to the work he will do for you. This does not have to be listed. Some of these include general liability and work’s compensation. The limits of the insurance should be stated. These limits will usually apply per person, occurrence, accident, or other designation.
Proving that a roofer has valid insurance is an essential part of researching potential roofing contractors. After you confirm this insurance, you can make a well-informed decision on who you want to hire. For more information on roofing services, please get in touch with a roofing company such as R Campbell Roofing. This company can handle residential and commercial roofing services.
