Be very cautious of who you hire when in need of roof work. Oftentimes, unethical roofers go door-to-door or advertise roof services when they may not plan to do any work at all--or may do shoddy work. With unscrupulous contracts and high pressure sales tactics, you may be unfairly taken for your money. Please note the following tips:
*Get more than one estimate. Preferably, get three estimates before making a decision. Don't be pressured into signing a contract right away. Do not make a decision at your doorstep. Visit www.findacompany.org to find and request quotes from BBB Accredited roofers.
*Know that anything you sign--no matter what you are told--can be considered a binding contract so read very carefully before signing anything.
*Get everything in writing. Cost, work to be done, time schedule, guarantees, payment schedule and other expectations should be detailed.**
*Ask for references and check them out.
*Never sign a contract with blanks. Unscrupulous contractors may enter unacceptable terms later.
*Never pay a contractor in full or sign a completion certificate until the work is truly completed. Do not give a down payment unless special materials are being ordered, and even then you may consider writing the check directly to the roofer's supplier.
*Insurance coverage may be rendered void if intentional misrepresentation by a policyholder is discovered.
*A catastrophe greatly magnifies the opportunity for insurance fraud and abuse. Don't be tempted to conspire in an insurance claim. Insurance fraud is a felony.
*Beware of warranties offered from companies who are based out of state; question how the services will be honored.
*Find out if the company uses their own workers or if they hire individual, third-party sub-contractors. It is very important to know exactly WHO will be working on your roof and who is responsible if something goes wrong.
*Verify applicable licensing and permits with your city and county. Do not secure the permit on your own, and make sure the permit is posted before the work begins.
*Check out the company with the Colorado Secretary of State. This will tell you if they are registered with the state and when they were incorporated. This ensures that the company has a presence in Colorado.
**Effective June 6, 2012, Colorado State Senate Bill 038 requires residential roofing contractors to sign a written contract with residential property owners that details the following:
-The scope of roofing services and materials to be provided;
-The approximate dates of service;
-The approximate costs of the services based on damages known at the time the contract is entered;
-The roofing contractor's contact information including physical address, email address, and phone number;
-Identification of the roofing contractor's surety and liability coverage insurer and their contact information, if applicable;
-The roofing contractor's policy regarding cancellation of the contract and refund of any deposit, including a rescission clause allowing the client to rescind the contract and obtain a full refund of any deposit within 72 hours after entering the contract; and
-A written statement that if the residential property owner plans to use the proceeds of a property or and casualty insurance policy to pay for the roofing work, the roofing contractor cannot pay, waive, rebate, or promise to pay, waive, or rebate all or part of any deductible applicable to the claim for payment for roofing work on the covered residential property.
The roofing contractor must also include on the face of the contract a conspicuous statement indicating that the roofing contractor is to hold in trust any payment received from the property owner until the roofing contractor delivers roofing materials to the residential property site or performs a majority of the roofing work.
A property owner who enters into a contract with a roofing contractor to perform roofing work on his or her residential property and who submits a claim to his or her property and casualty insurer for payment for the roofing work may rescind the contract for the roofing work if the insurer denies the claim in whole or in part, as long as the person notifies the roofing contractor within 72 hours after the claim is denied. The roofing contractor must refund any moneys paid by the customer within 10 days after receipt of the cancellation notice. The property owner's right of rescission does not apply when the property and casualty insurer denies, in whole or in part, a claim related to a request for supplemental roofing services if the damage requiring the supplemental services could not have been reasonably foreseen at the time of the initial roofing inspection or the execution of the roofing contract.
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