Are you a Texas homeowner looking to tackle a roofing project in Stephenville? Ensuring your roofer is licensed and insured is crucial, but what does that mean for you and your home? Keep reading to find out why these factors matter and how they can impact your next roofing project.
Insurance is a Must
In Texas, all roofing companies must have liability and workers’ compensation insurance to legally work on your roof. This is non-negotiable. A reputable roofer will provide proof of insurance without hesitation. However, beware of fraudulent documents. Always call the insurance company on the document to verify its authenticity.
Having insurance ensures that you are protected against any damages to your home or injuries that occur while your roofer is on the job. This peace of mind is invaluable, as it can save you from potential financial pitfalls.
State License is Necessary but Not Mandatory
Texas does not require roofing contractors to hold a state license, but obtaining a voluntary license through the Roofing Contractors Association of Texas (RCAT) is highly recommended. This license signifies that a roofer has demonstrated a certain level of expertise, professionalism, and commitment to the trade.
The RCAT Licensed Roofers program was designed to enhance consumer protection and elevate public confidence in the roofing industry. Although licensing is not mandatory, opting for a licensed roofer ensures that you are hiring someone who has met rigorous standards and has been vetted by a reputable organization.
What Could Go Wrong Without Licensing and Insurance?
Hiring an unlicensed or uninsured roofer can lead to numerous issues. Here’s what you risk:
- Damage to Property: Uninsured roofers may leave you footing the bill for any accidental damages.
- Incomplete Projects: Without proper bonding, there’s no guarantee your project will be completed if the roofer abandons the job.
- Injury Liabilities: Without workers’ compensation insurance, you could be held responsible for on-the-job injuries.
Types of Insurance Coverage
Liability Insurance
Liability insurance covers damages or injuries that occur while a roofer is working on your property. Most policies have limits on how much they will pay per incident or injury, so it’s essential to understand the coverage provided.
Workers’ Compensation Insurance
Workers’ compensation insurance pays benefits to employees who suffer on-the-job injuries. While Texas does not mandate this coverage, responsible roofers will carry it to protect both their workers and clients.
Bonding
When a roofer is bonded, it means they have financial backing to ensure your project will be completed even if they are unable to finish the job. This bond covers the cost of materials and labor, providing an extra layer of security.
Licenses for Roofers
Although Texas does not require a state-issued license for roofers, the RCAT offers a voluntary licensing program. To qualify for this license, a roofer must:
- Have at least three years of relevant experience.
- Submit a notarized application and pay all associated fees.
- Provide evidence of bonding and liability insurance.
- Achieve a passing score on exams covering business, safety, and roofing knowledge.
This license indicates that the roofer has the experience, financial responsibility, and reputation needed to perform high-quality work.
Why Choose Licensed and Insured Roofers?
Working with a licensed and insured roofer offers several advantages:
- Experience: Licensure requires a minimum of three years in the trade, ensuring your roofer has ample experience.
- Financial Responsibility: Proof of bonding and insurance shows that the roofer can handle the financial aspects of the job.
- Reputation: A licensed roofer is more likely to have a good standing in the community.
At Bar H Contractors, we pride ourselves on being your number one roofing team in the Stephenville area. We are fully licensed and insured, offering you the peace of mind you deserve. Our expert team is here to help you feel great about your roof, providing top-notch service and quality workmanship.