I've found a General Contractor who says they can do the work. They left an agreement with me to sign before they'll begin any contact with the Insurance company. I realize many of you aren't attornies but am hoping some have had experience with this sort of issue and see what you think about some points on the agreement - under each I'll include any questions concerns about the point. If you see something, by all means speak up. By the way, sorry for the all caps, but I did this by OCR off my scanner. It would take forever to type it all:
3. SHOULD DEFAULT BE MADE IN PAYMENT OF THIS AGREEMENT FOR MORE THAN FIFTEEN DAYS, A LATE CHARGE EQUAL TO FIVE PERCENT OF THE AMOUNT DUE PLUS INTEREST FROM THE DATE THEREOF AT A RATE OF ONE AND ONE-HALF (1 1/2) PERCENT PER MONTH (18 PER ANNUM) OR SUCH MAXIMUM AMOUNT ALLOWED BY LAW, AND IF PLACED IN THE HANDS OF AN ATTORNEY FOR COLLECTION. ALL ALLOWABLE ATTORNEY'S FEES AND LEGAL AND FILING FEES SHALL BE PAID BY THE CUSTOMER.
I wonder about coordination of money from the Insurance company vs when the contractor is going to be doing the work. Do they normally not begin work until the insurance company has agreed to the costs?
6. COMPANY RESERVES THE RIGHT TO REVOKE THIS PROPOSAL 90 DAYS FROM DATE ACCEPTED. AFTER 90 DAYS, COMPANY RESERVES THE RIGHT TO REVISE ITS PRICE IN ACCORDANCE WITH COSTS IN EFFECT AT THE TIME.
Is what they're saying is that they can back out any time up to 90 days or that it's only good for 90 days?
7. THE COMPANY SHALL NOT BE LIABLE FOR FAILURE OF PERFORMANCE DUE TO LABOR CONTROVERSIES, STRIKES, FIRES, WEATHER, INABILITY TO OBTAIN MATERIALS FROM USUAL SOURCES, OR ANY OTHER CIRCUMSTANCES BEYOND THE CONTROL OF THE COMPANY, WHETHER OF A SIMILAR OR DISSIMILAR NATURE.
I wonder what constitutes a "labor controversy"?
11. IF THIS AGREEMENT IS CANCELLED BY THE CUSTOMER, CUSTOMER SHALL PAY TO THE COMPANY TWENTY-FIVE PERCENT (25) OF THE TOTAL AGREEMENT AMOUNT AS LIQUIDATED DAMAGES, NOT AS A PENALTY, AND THE COMPANY AGREES TO ACCEPT SUCH AS A REASONABLE AND JUST COMPENSATION FOR SAID CANCELLATION. THE PARTIES ACKNOWLEDGE AND AGREE THAT DAMAGES THE COMPANY MIGHT REASONABLY ANTIC- IPATE IN THE EVENT OF A BREACH OF THIS AGREEMENT BY CUSTOMER(S) WILL BE DIFFICULT TO ASCERTAIN AND THE AMOUNT STIPULATED HEREIN IS A REASONABLE ESTIMATE OF SUCH DAMAGES.
What if they keep stalling on work and I get sick of waiting for them and want to look for someone else?
12. PAYMENT SCHEDULE: DEDUCTIBLE DUE UPON INSURANCE PROVIDER APPROVAL. FIFTY PERCENT (50) OF THE TOTAL AGREEMENT AMOUNT DUE UPON DATE OF DELIVERY OF APPLICABLE MATERIALS. BALANCE DUE UPON COMPLETION OF WORK. ALL PAYMENTS MUST BE MADE TO THE COMPANY. ONLY PAYMENTS MADE TO AND RECEIVED BY THE COMPANY WILL BE CONSIDERED TO SATISFY THE PAYMENT OF THIS AGREEMENT. PAYMENT SCHEDULE SHALL NOT BE AMENDED WITHOUT THE PRIOR WRITTEN APPROVAL OF THE COMPANY.
Is this normal? Btw, it's not quite what the contractor's rep said when he came to do a preliminary look-see. He said on the roof that they get 1/3 when they get the materials, 1/3 when they "start driving nails" and 1/3 when I was happy with the job.
15. DURING THE DURATION OF THE WORK, THE CUSTOMER'S HOMEOWNERS INSURANCE WILL BE RESPONSIBLE FOR ANY INTERIOR DAMAGE AS LONG AS THE COMPANY HAS TAKEN APPROPRIATE ACTION TO PROTECT THE ROOF DURING THE REPAIR OF THE ROOF.
When could this be an issue?
17. THE COMPANY IS NOT RESPONSIBLE FOR PRE-EXISTING CONSTRUCTION DEFICIENCIES THAT MANIFEST THEMSELVES DURING THE CONSTRUCTION PROCESS, I.E. NAIL POPS, WOODROT, DECKING DEFLECTION, ETC. IF A CONSTRUCTION PROBLEM IS POINTED OUT PRIOR TO CONSTRUCTION AND COMPANY IS NOTIFIED IN WRITING, COMPANY WILL TRY TO ASSIST CUSTOMER TO CORRECT THE PROBLEM(S) ON A TIME AND MATERIAL BASIS.
They seem to be referring largely to decks here which isn't an issue in my case, but what is a "nail pop"? Any way it could apply to a roofing job?
19. COMPANY ACCEPTS NO LIABILITY TO INDEMNIFY OR HOLD CUSTOMER HARMLESS FOR DAMAGES TO PERSONS OR PROPERTY, EXCEPT THOSE THAT ARE THE DIRECT RESULT OF COMPANY'S NEGLIGENT ERROR OR OMISSION WHICH OCCUR DURING PERFORMANCE OF THE COMPANY'S WORK. COMPANY DISCLAIMS ANY AND ALL LIABILITY FOR DAMAGES TO PERSONS OR PROPERTY RESULTING FROM MOLD GROWTH WITHIN ANY PART OF THE BUILDING ENVELOPE DUE TO MOISTURE ENTERING THE BUILDING ENVELOPE PRIOR TO COMPANY'S COMPLETION OF INSTALLATION OF THE ROOF SYSTEMS/MEMBRANE, SIDING, WINDOW AND GUTTER SYSTEMS OR AS THE RESULT OF DAMAGE TO OR PENETRATION OF THE INSTALLED ROOF SYSTEMS/MEMBRANE, SIDING, WINDOW AND GUTTER SYSTEMS BY OTHERS. CUSTOMER UNDERSTANDS AND AGREES THAT COMPANY SHALL HAVE NO RESPONSIBILITY AT ANY TIME AFTER COMPLETION OF THE WORK FOR DAMAGES OF ANY KIND TO PERSONS OR PROP ERTY LOCATED BELOW THE INSTALLED ROOF SYSTEMS/MEMBRANE, SIDING, WINDOW AND GUTTER SYSTEMS, WHETHER OR NOT SUCH DAMAGES RESULT FROM (A) LEAKS OR WEATHER-ORIENTED SOURCES OR (B) MOLD GROWTH.
Any problems here?
20. THE COMPANY'S MONETARY DAMAGE LIABILITY FOR ANY CLAIM OF PROPERTY DAMAGE ARISING OUT OF THE COMPANY'S PERFORMANCE OR NON-PERFORMANCE OF THIS AGREEMENTSHALL NOT EXCEED THE TOTAL AGREEMENT AMOUNT.
I'm fuzzy on what's considered "the total agreement amount".
23. FLORIDA LAW APPLIES TO THIS AGREEMENT. ANY LEGAL PROCEEDING RELATING TO THIS AGREEMENT SHALL BE FILED EXCLUSIVELY WITH THE COUNTY OR CIRCUIT COURT OF ORANGE COUNTY, FL. THE RIGHT TO JURY TRIAL IS WAIVED.
The right to a jury trial is waived? Could this come back to bite me? I wonder under what circumstances it could become an issue.
24. THIS AGREEMENT IS COMPOSED OF THIS BACK PAGE, THE FRONT SIDE OF THE AGREEMENT AND A SEPARATE PAGE WHICH CONTAINS A MANDATORY FLORIDA DISCLOSURE REGRADING CONSTRUCTION LIEN LAW. AND ALL MATTERS INCORPORATED HEREIN BY REFERENCE AND SHALL BE CONSIDERED THE ENTIRE AGREEMENT BY THE PARTIES.
What I'm looking for is if you feel these seem like normal, reasonable provisions or if you see anything that's questionable.
Thanks for all shared wisdom.