CONTRACTORS INSURANCE TIPS
Proving Your a Reputable Roofing Contractor
Many times after a natural disaster, your area will be awash in storm chasers: disreputable roofing contractors; who are un-insured, unlicensed, unskilled and undocumented. These storm chasers are usually from out-of-state and plan to stay only long enough to make a profit. These illicit roofing contractors prey on vulnerable victims of natural disasters by offering homeowners bargain prices for substandard roofs that leak or shed shingles in future storms.
Competing with storm chasers can be difficult because these renegade roofing contractors undercut the price for a roof charged by reputable contractors. As reputable contractors, you can stress to homeowners, that a roof is a major long-term investment, and they need to have it last for a long time. More importantly, you can show potential customers the credentials that you have:
- You’re insured.
- You’re licensed in that state and know its building codes.
- You have ties to the community/region because you live there.
- You have been in business there for a number of years.
- You have expertise developed through education, training and experience.
- You know how to construct a roof that will withstand the weather conditions in that region: hurricanes, tornadoes, storms or earthquakes.
- You have references from clients that they can contact.
- You have a portfolio with pictures of your work and letters of endorsement from satisfied customers.
- You have a website with a local number.
Your contractors insurance supports the warranty on your workmanship. For as long as your guarantee lasts-typically two to four years-your recent clients can make claims against your general liability coverage. Furthermore, your workers’ compensation protects your workers and clients against any liability for worker injuries that happens on a homeowners’ property.
Community and state ties assures that your company will be around to help fix the damages long after the storm chasers are gone because your reputation and new business depend on it. For example, if you are licensed to do work in Florida, you probably know that Miami has the toughest roofing regulations in the country. As a Florida licensed and insured roofing contractor, you will be able to install roofs that meet Miami codes, which will allow your customers to collect on their home insurance, This holds true for licensed and insured roofing contractors from any state.
Moreover, references from satisfied customers, pictures of your recent projects, endorsements from past clients and more importantly a website with your bio on it and a local phone not just a “1-800” assures these potential customers that you not only care about the locality that they live in, but you also are a resident of their locality.
Remember, being a reputable contractor isn’t just a commitment to your current clients but to your future business. Never forget that your roofing insurance provides the bulwark against liabilities that allows your roofing company to extend those protections in the form of general liability coverage to your customers.