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Q & A

 

1. When purchasing a roofing job, what should I expect?

Answer: Our team of roofers will come out, introduce themselves to you, professionally remove your old roof, install your new roof and leave your roof and yard areas completely clean (no debris or nails).

2. Purchasing a roof seems pretty simple, but what can go wrong?

Answer: You can sign a contract, pay a down payment and never see the roofer again or you can sign a contract, they deliver the materials on your roof, set a dumpster in the front of your garage and you never see them again. If they haven’t been around for a long period of time there is no guarantee that they will be around to do any repair or warranty work that your roof may need. There are many variations on this scheme, all with the same result. Hopefully, the scheme plays itself out before your roof is torn off and your house is exposed. Play it safe with a licensed, bonded and insured contractor and call on references before purchase.

3. What can I do to protect myself?

Answer: Do not hire anyone who is not licensed, bonded and insured, and never hire anyone who does not have an advertisement in the yellow pages. Select a contractor that has operated in your community for at least ten years. Do not give money for any work that has not already been done. Always ask for a release of lien before paying your balance. Always ask for a material vendors release of lien before you pay your bill.

4. What if the contractor tells me that they did not put a lien on my house?

Answer: The materials vendor can send a Notice To Owner within 45 days of the last materials he supplied for your home. He then has one year to file a lien. Get a release for any materials that should have been used on your house.

5. Are all roof contractors listed in the yellow pages licensed, bonded and insured?

Answer: No, they are supposed to be, but the yellow pages does not verify this information. Usually the ads are very misleading, to find out the real story on someone, go to MyFlorida.com. You may find that someone who advertises they have been in business in Florida since 1960, was born in 1960, opened in 1985, was out of business in 1987, reopened again in 1988 then out of business again in 1990, etc. Always ask for at least three references and call them.

6. Is a permit required and if so how can I verify one was purchased?

Answer: In order to buy a permit, the contractor needs a Notice of Commencement signed and notarized by the owner so if the work is started without one, start to worry. Most contractors will run the legal for you and provide a notary to come to your home and notarize your signature. They then file the Notice of Commencement and purchase the permit. The permit should be posted on your home for you to see. If you are unsure, call the building department and make sure a permit was purchased before you pay your bill.

7. How can I tell if my roofer is licensed?

Answer: Ask to see their roofing license. It should either be a State Certified Roofing Licensed or a Local Roofing License; an Occupational License is not a Roofing License, but it is required to purchase a Roofing License. You cannot legally pull a permit, or do a roofing job without a Roofing License. If in doubt call the Building Department or check www.MyFlorida.com.

8. What does it mean to be Bonded and Insured?

Answer: In order to have a license, you must post a bond. The theory behind the bond is to insure that if you damage someone's home, the homeowner can go to the bonding company for repair costs. The problem is that the cost of the bond has not kept up with inflation. If someone does three to four million dollars annually and you are number fifteen on the list, a 10,000.00 bond will not go far. Everyone is supposed to have liability insurance, unfortunately, there is no real check to make sure that they do not have a 100,000.00 liability policy with a 50,000.00 deductible or if once the license was purchased the insurance policy was canceled. Ask to see the policy and you can then call that insurance company to ensure that the policy is in effect.

9. Can I get someone to do my home with a Worker's Compensation Exemption?

Answer: Yes, anyone who is incorporated and has three people or less, all three of the owners can be exempt. However, Worker's Compensation on owners is inexpensive, only fifteen to twenty percent. Foremen cost less as well, only the roofers who are really at risk are expensive and even then the cost is less than fifty percent. There is also a Drug Free Workplace discount and a five percent Safety discount, and they are a member of FRSA's (Florida Roofing and Sheet Medal Association) Self Insurance Program, there are mid year and year end discounts. Usually, the average bottom line cost is under thirty percent.

10. I understand that Worker's Compensation Insurance is very expensive. Aren't most serious accidents on large Commercial projects?

Answer: Studies have shown that most serious injuries per dollar volume happen to small residential crews. Why leave your home exposed? Make sure your contractor carries Worker's Compensation insurance. The cost of Worker's Compensation is less than ten percent of the total cost of the roof, so why take the chance?

11. How do I know which roof to buy?

Answer: Every neighborhood has a basis for your roof. Most asphalt shingles in Florida last about half of the marketed warranty. So, a thirty-year warranty would really only last about fifteen years. There are some shingles that carry a very long extended warranty. They are not perfect, but if you are careful and close the loopholes, they might be a good investment. Your roofing specialist is there to assist you with your choice.