A damaged roof needs to be fixed promptly to protect household occupants and household goods from harm. When a homeowner chooses to use the services of a Roofer in Lisle IL, it’s necessary to research this professional first. Part of this includes verification of current insurance. The following steps can be used to confirm the existence of a valid insurance contract.
To confirm that a roofer has an adequate level of insurance to perform a job, ask the roofer for the name of his insurance agent. Call this insurance representative at a later time to request a certificate of insurance. This document is not a copy of an active insurance contract. It does, however, contain applicable details about an insurance contract needed to verify coverage. The insurance agent will probably need to get verbal or written permission from the roofer before sending this document. A certificate of insurance can usually be sent by mail or picked up in person. In certain circumstances, it can also be sent special delivery.
A homeowner should only accept this document from an insurance agent. This will help safeguard against fraud. When this document is received, pay close attention to certain parts. Each insurance company can use its own template for a certificate of insurance. However, most companies use ones with similar elements to ensure that the purpose of the document is fulfilled.
The “producer” of the certificate is the full name of the insurance company. The roofer’s full name and business address should be stated under “insured.” The certificate of insurance should detail the types of coverage the roofer has, such as general liability and worker’s compensation. The policy effective date is the day the insurance policy starts. The policy expiration date is the day after the insurance is no longer valid. No work should be done on a home unless it falls between these two days.
By carefully reviewing this document, a homeowner will be able to protect his financial interest since an unlicensed Roofer in Lisle IL, who is hurt on the job can possibly sue the homeowner. For information on roofing services, please talk to an expert at EDI Exterior Designers Inc. This roofing company can handle residential and commercial roofing companies.
