CanopyCo wrote:

Robert11 wrote:

Hello:

Will be dealing with a contractor for a roofing job.
Have never really dealt with any before on a "big" job.

Regarding insurance that they should have:

a. What papers and proof of insurance should I request that I receive a
copy of from him ?

I guess this should include Liability, and Workmen's Compensation, as
well as some other types.
Right ? What should I ask for specifically, please ?

What about insurance for Medical related accidents his workers might
have happen on the job ?
What kind of insurance should they carry for this ?

b. Also, I read about some time back about something called a "Workmen's
Lien"
Not at all sure I have the name correct.

Has to do with, I think, if the major contractor does not pay any
workers he hires, they can sue the homeowner directly for lost wages, etc.
What kind of paper work or insurance coverage should I request to see
from him so that I am protected against this possibly happening ?

Anything else I should be asking here, but not smart enough to know to ask ?

Much thanks
Bob


Ok, I take it he is going to fix your house.
Not you being a subcontractor fixing someone else's house under the
contractors say so.

Get the contract in writing, and make sure there is a clause in there
where he pays you if the job is not completed in full in X number of
days, for every day after X days that the job is still not finished.

And not the company owing you, but the contractor personally.
I knew of several guys that start jobs, then stick you up for more
money to finish them.
And it is really hard to find someone to take up a job that was started
by someone else.

General liability, and lots of it.
You can really wreck things big time on a construction cite.

The workers comp is a local deal, so I don't know if they can go after
you there if you have a contract showing that the guys were hired by
him and not you.

Regardless of that....

If worker's comp is required in your state and the contractor isn't
carrying it, they he's a lawbreaker. Is that the kind of person you want
to do business with?

Check the worker's comp insurance for sure. Don't take chances.

I knew a roofer in my Rotary Club. (He's now retired.) He told me that
the worker's comp premiums he paid depended on the angle of the roof his
guys were working on each day and he had to keep logs detailing how many
hours they spent working on flat roofs anad also on roofs below and
above some angular threshold. He said that in severe cases his premium
rate exceeded 100 percent of the hourly rate he paid the guy doing the work.

Jeff

--
Jeffry Wisnia

(W1BSV + Brass Rat '57 EE)

"Truth exists; only falsehood has to be invented."