We found in contracting for our new deck that the contractors readily supplied the information to assure us. One ditched us when we requested it.
Building permits for roofs are only required here if something like 20% of underlying boards must be replaced. To get a building permit in this county the contractor must be licensed, bonded and insured.
We were surprised that our home owners insurance would not cover these workers and we could not even get a rider.
IMO, your insurance should NOT cover them, but they also should not be allowed to sue you for injuries. They are the dumb ones getting injured not using proper equipment or unsafe practices. My opinion does not always hold up in court though.
When I knew it was time for a new roof, I drove around looking for roofers that actually used safety equipment (ropes and harnesses). I found only one so I hired them. The crew chief told me they wear harnesses because you can't make money laying in a hospital bed.
That's how it should be, unless the homeowner specifically did something out of the ordinary to cause the injury, eg the homeowner moved one of their ladders and hit them in the head while doing it.
I agree with you but my son says sometimes the court will rule in their favor. These people will appear in court all crippled up in a wheel chair and a jury or even judge will feel sorry for them and award them damages.
I think I mentioned elsewhere that my son got a rider from his insurance company and thought it was about $15/year. My insurer will not sell one and will only offer a policy for hundreds of dollars.
Bad enough dealing with contractors and we all know it is not a picnic dealing with insurance companies. My neighbor, Poor Richard who I mentioned here previously, had this problem when tree fell on his wife and house last winter. It was a struggle for him to get a contractor for his new roof at what insurance would pay and while guy he got did a good job it was done on the weekend with employees from who knows where.
I have similar problems as you. I need roof work done, but of the several roofers I contacted a few months ago, they all either never responded or told me they weren't interested in the job.
I'm about to start of a new round of exploration. I want to have it done by the onset of winter.
Two of them never called back...two called back and made an appointment but never bothered to show up...not even a call.
I will not even attempt to give them a 2nd chance.
The guy who came over today called me right back...made an appointment same day and even called later to tell me he was running a few minutes late.
I feel good about this one as he carefully inspected both the inside and out. If the estimate is anywhere close to where I think it should be I'm going to hire him. It's a well known firm in town.
They are doing the last of the work today. It will be exactly one week. Considering they missed several days due to rain not too bad. I was told it would be done within six days depending on weather.
In addition to them correcting a mistake in the original 1898 construction that lead to a chronic (but small) front porch leak...they are completely re-doing the chimney flashing that they told me we not done very well when I had the chimney replaced maybe 20 years ago.
Additionally they are putting flashing/edging all around the edge of the roof. The folks who did it last time skipped that step.
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