A complete roofing system is one of the most important components of a house. This structure can provide insulation, weather barrier protection, and enhanced appeal. When a roof is defective or beyond repair, a homeowner may need to call a professional. Before hiring a roofer, it’s essential to ensure that the roofer has valid insurance. The following guidelines will assist with this task.
After getting two or three referrals for Roofers in Washington IL area, a homeowner should call each one for an interview. During the interview, a person should ask the roofer for the name of his insurance agent for insurance verification. This insurance representative can be called at a later time. When a roofer offers to show a homeowner proof of insurance, a person should cordially decline. It’s preferable to only accept this proof from an insurance agent to prevent fraud.
Next, a homeowner should get in touch with each roofer’s insurance agent to request a certificate of insurance. This document is not a copy of an active insurance policy. It does, however, contain certain information found in an insurance contract. A certificate of insurance is issued by the insurance company of the insured as proof of current insurance. An insurance agent may have to get written or verbal permission to send this to an individual.
Once this permission is obtained, a homeowner can have this document faxed or sent in the mail. It can also be picked up in person. Upon receiving it, a homeowner should pay close attention to the policy effective date and the policy expiration date. The insurance is valid from the effective date through the day before the expiration date. Work done on a home should only be performed if it falls within this time frame. A homeowner should also pay close attention to the types of insurance a person has and their legal coverage limits.
Inspecting a certificate of insurance will enable a homeowner to have confirmation that a roofer is insured. It will also help safeguard a person’s financial interests since an uninsured roofer who is hurt may be able to sue a homeowner. For more information on roofing services, a person can talk to Roofers in Washington IL at Best Roofing. These Roofers can handle many services including tear offs and roof repair for residential and commercial customers.
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