So you want to start a home improvement project, and you feel safe from liabilities because you have home insurance. But did you know that there are things that insurance companies won’t pay for, especially when you forget to inform the company of your plans to remodel something for your house? Some examples are mold growth, flooding, and most importantly, damage from faulty workmanship, materials or design. The economy is still in a downward spiral and every cent is important so you should be very meticulous when hiring a contractor to protect your home and your money.
An article from sheknows.com emphasizes the importance of contractor’s insurance:
Never assume that a contractor has business insurance. As you shop around, ask about each prospect’s insurance coverage. Contractors can prove that they’re covered by showing you a Certificate of Liability Insurance, but be forewarned: A certificate does not equal coverage.
You should remember that even relatively small projects can lead to major damage if they’re done poorly. While vetting candidates may be your top concern, the best way to protect your investment in your home is to verify a contractor’s insurance coverage, check his or her references and document any incidents fully.
Your home improvement project need not be put on hold because there are contractors that provide licenses and insurance so you don’t need to worry about paying for damage made on your property during a remodel. Kroll Construction, unlike other roofing and window companies in Michigan, is one of those that take responsibility for their work.
Their contractors are certified by manufacturers and are trained to be up-to-speed on the latest methods and installation techniques so you won’t need to worry about wear and tear which home insurance also doesn’t cover. They not only offer window replacement in Michigan but also roofing systems, siding, gutters and kitchen or bathroom remodeling.
(Article Excerpt from Guide For Your Contractors Coverage, sheknows.com)