When you need roof work done, you may look for any way to save some money. It can take a huge budget to fix certain problems. Many homeowners find themselves turning to an uninsured roofer due to a low bid. Some people use roofers with little experience because of a personal relationship. How does the insured status of a roofing contractor in Round Rock, TX, affect you? It’s actually very risky to work with a home improvement specialist who isn’t insured.
If the Round Rock roofer you use does not have insurance, a lot of financial burden could fall to you. Accidents happen in life and at worksites. A worker could slip a little way down the roof and cut himself on a nail. Old shingles could be tossed off of the roof and land right on your family vehicle’s windshield. A mailman could trip over a misplaced hammer. Who is liable for this damage? If your contractor isn’t insured, you are.
Your homeowner’s insurance may cover some of these damages, but it’s unlikely your current insurance would help pay for a worker getting hurt. That financial burden may fall right on your shoulders. This could mean hundreds or thousands of dollars in medical bills. If you don’t have the money to pay for it, it could put your assets and family-life at risk.
When it comes down to it, you don’t have to work with an uninsured roofer in Round Rock. Any financially stable and responsible roofer will have insurance. Not only does the insurance protect you and your assets, but it also helps protect your contractor’s business. Yes, it could be cheaper to work with an uninsured contractor because he or she doesn’t have to charge as much. However, it’s smarter and safer to work with a roofing contractor in Round Rock, TX, who is properly insured and licensed.