Posts Tagged ‘Home insurance’


 

As we all know roofing is a seasonal trade and there is a high demand for it. A poor maintained roof will always cause problems if the problems are not solved from the root. Where do we start to get things right for your new roof? Make sure they are insured to protect yourself first thing.

Choosing the right roofing contractor who will honor his work and his word is a homework for the homeowners to study. There are many details that needs to be taken to a consideration.  For example commercial liability insurance is required for any contractor to perform work in or around your house to protect you from any damage or failure during or after the work was performed. This will cover your home, your vehicles and any other details that belongs to you. WSIB is a must for any roofing contractor to work under all the safety regulations and rules for safer work environment for all the employees. This coverage will protect all the employees and their families from injuries or even fatalities if there will be one. There are safety officers driving around and paying a surprise visit to random contractors while they are working to examine the safety standards and if not met to warn or fine them thousands of dollars for not working under the safety act. All the workers should be wearing steel-toed boots and tied down while working on the roof. Did you know that if a contractor gets injured at your house while working and does not have insurance do you know who is liable for that??? You, the homeowner who hired the contractor. Always check for commercial liability and wsib insurance certificate before hiring a roofing contractor.

Roofing is a dangerous trade and chances of survival from a two-story home is pretty slim, don’t you think?  You might get a cheaper estimate from them but that is why it is so cheap, because they do not have to pay for insurance.

We are a fully insured roofing company in Ottawa, Ontario offering professional roofing services. We have WSIB and commercial liability insurance certificate in our work trucks at all times because we care about our employees and our customers. We are here to protect you, your home and loved ones from the unthinkable.  All of our staff is covered with additional coverage to protect them and their families. Safety is one of our main goal target to force at all times and we will not tolerate any unsafe behavior or condition. Safety First.


Most homeowner have high deductible to pay less monthly or less deductible to pay more on monthly basis. Who is the winner in this case? If your estimated roof repair cost is 800$ and deductible is 500$ what is your best option? You will make the payment to the roofing company and submit it to your insurance company. Normally it might take 2 week for you to receive the payment. You paid 800$ and received a cheque for 300$ because your deductible was 500$. If your deductible was 250$ than you will get 550$ from the insurance company. After your claim was processed and settled with, how much more are you paying for your home insurance?

So the bottom line is that you will pay back whatever the amount you got from the insurance company with interest. Insurance is a great option for home and business owners to have just in case there is a disaster or fire to protect your investments. How much richer do we make the insurance companies with all these small claims? They are getting paid from every home, auto and business owners millions of dollars in revenue. Insurance is the most effective and legal scamming business out there.

Always think for the possibilities for the long run, is it cheaper to pay your roofing contractor directly or make claim for it and increase your monthly payments for 3 years. Having a trusted roofing company on your side is a must. If you tell the roofing contractor that it is going to be a insurance claim, they will take advantage of the situation and over charge you for the repairs. Shop around, get few different quotes and compare it before jumping into a conclusion.

Contact us for all your questions or concerns if you have any and we will be more than happy assist you. We offer free consultation over the phone.