Insured and Bonded Roofing Contractors A Homeowners Guide

Defining “Insured and Bonded”

Choosing a roofing contractor involves significant financial investment and trust. Understanding the terms “insured” and “bonded” is crucial for protecting yourself from potential problems and ensuring a smooth, successful project. This section will clarify the meaning of these terms in the context of roofing contractors and highlight their importance.

When a roofing contractor is described as “insured and bonded,” it signifies that they have taken steps to mitigate financial risks associated with their business operations and protect their clients. Insurance covers potential losses arising from accidents, injuries, or property damage during the project, while a surety bond protects the client from financial losses if the contractor fails to complete the agreed-upon work or performs it negligently. Both are essential elements demonstrating a contractor’s commitment to professionalism and client protection.

Types of Insurance Policies for Roofing Contractors

Several types of insurance policies are relevant to roofing contractors. The specific policies a contractor carries will vary depending on their business structure, the scope of their work, and the level of risk involved. Carrying adequate insurance demonstrates a responsible approach to business and a commitment to client protection.

General Liability Insurance: This is a fundamental policy that covers bodily injury or property damage caused by the contractor’s operations. For example, if a worker accidentally drops a tool and damages a client’s car, general liability insurance would cover the repair costs.
Workers’ Compensation Insurance: This policy protects employees who are injured on the job. It covers medical expenses, lost wages, and other related costs, regardless of fault. This is legally mandated in most jurisdictions for businesses with employees.
Commercial Auto Insurance: If the contractor uses vehicles for business purposes, this insurance covers accidents or damages involving those vehicles. This is crucial for contractors who travel to job sites and transport equipment.
Professional Liability Insurance (Errors and Omissions): This type of insurance protects the contractor against claims of negligence or mistakes in their professional services. For example, if a roof leaks due to faulty workmanship, this insurance might cover the costs of repair.

Implications of a Lack of Insurance and Bonding for Clients

The absence of proper insurance and bonding presents significant risks to clients. Without these protections, clients bear the financial burden of any accidents, injuries, or incomplete work. This could lead to substantial unexpected expenses and potential legal battles.

Financial Liability for Accidents: If a contractor’s employee is injured on your property and the contractor lacks workers’ compensation insurance, you could be held liable for medical expenses and lost wages.
Cost of Repairing Damages: If the contractor causes damage to your property and lacks general liability insurance, you will be responsible for the repair costs. This can run into thousands of dollars depending on the extent of the damage.
Incomplete or Defective Work: Without a surety bond, if the contractor fails to complete the work or performs it defectively, recovering your losses can be extremely difficult and expensive. You may need to hire another contractor to finish the job, incurring additional costs.
Legal Fees: Resolving disputes with an uninsured and unbonded contractor often requires legal action, adding significant costs to the already problematic situation.

Finding Insured and Bonded Contractors

Locating a reputable roofing contractor is crucial for a successful and worry-free project. Ensuring your chosen contractor carries both liability insurance and a surety bond offers significant protection against potential problems. This section details how to find insured and bonded roofing contractors in your area, and provides resources to verify their credentials.

Finding a qualified and insured roofing contractor involves a multi-step process that prioritizes verification and due diligence. Taking the time to thoroughly investigate a contractor’s credentials can save you considerable time, money, and potential legal headaches down the line. Remember, a contractor’s insurance and bonding demonstrate their commitment to professional standards and client protection.

Steps to Locate Insured and Bonded Roofing Contractors

This step-by-step guide will help homeowners systematically find qualified roofing contractors. Each step emphasizes verification and due diligence to ensure the contractor meets the necessary criteria.

Online Search: Begin by conducting an online search using s like “insured roofing contractors [your city/state]” or “bonded roofing contractors near me.” This will yield a list of potential contractors in your geographic area.
Check Online Directories: Utilize online directories such as Yelp, Angie’s List, or HomeAdvisor. These platforms often feature reviews and ratings from previous clients, offering insights into the contractor’s reputation and work quality. Remember to filter your search to display only those contractors who specifically state they are insured and bonded.
Contact Local Associations: Reach out to local home builders’ associations or general contractors’ associations. These organizations often maintain lists of reputable contractors in the area, some of whom may specialize in roofing. Inquire about their verification processes for insurance and bonding.
Request Certificates of Insurance and Surety Bonds: Before engaging any contractor, explicitly request copies of their current certificates of insurance and surety bonds. Thoroughly examine these documents to confirm the coverage amounts and expiration dates. Be wary of contractors who are hesitant to provide this information.
Verify with Insurance Providers and Surety Companies: Once you have received the certificates, contact the insurance provider and surety company directly to verify the authenticity of the documents. This crucial step confirms the validity of the insurance and bond.
Check State Licensing Boards: Many states require contractors to be licensed. Check your state’s licensing board website to verify the contractor’s license status and confirm there are no outstanding complaints or disciplinary actions against them.

Resources for Verifying Contractor Credentials

Several resources are available to homeowners seeking to verify the credentials of potential roofing contractors. These resources provide valuable tools to ensure the contractor is properly insured and bonded, minimizing risk and ensuring a reliable service.

Resource Name	Website URL	Description	Reliability
Better Business Bureau (BBB)	www.bbb.org	Provides business ratings and reviews, including information on complaints and resolutions. Can help identify potential red flags.	High – Widely recognized and trusted source for business information.
Yelp	www.yelp.com	User-generated reviews and ratings for local businesses, including contractors. Offers insights into customer experiences.	Medium – Relies on user-submitted information, which can be subjective.
Angie’s List	www.angieslist.com	Provides ratings and reviews for home service professionals, including roofing contractors. Offers a platform for verified reviews.	Medium-High – Similar to Yelp but often focuses more on home service professionals.
HomeAdvisor	www.homeadvisor.com	Connects homeowners with pre-screened contractors. While pre-screening helps, independent verification is still recommended.	Medium – Pre-screening does not guarantee insurance or bonding. Further verification is essential.
State Licensing Boards (vary by state)	(Search “[Your State] Contractor Licensing Board”)	Official state websites that maintain records of licensed contractors, allowing verification of licenses and disciplinary actions.	High – Provides official records and is the most reliable source for licensing information.

Contractual Aspects

A comprehensive contract is crucial for a successful roofing project. It protects both the homeowner and the contractor, outlining responsibilities, payment schedules, and dispute resolution methods. Failing to address key aspects can lead to significant legal issues and financial burdens. Therefore, careful consideration of contractual terms is paramount.

Key Clauses in Roofing Contracts

The following clauses are essential for a robust roofing contract. Their inclusion minimizes ambiguity and safeguards the interests of both parties. Omitting any of these can create vulnerabilities and expose parties to potential disputes.

Scope of Work: A detailed description of all work to be performed, including materials, specifications, and any preparatory or cleanup tasks. This should include specific details about the type of roofing material, the number of layers, and any additional features such as skylights or vents.
Payment Schedule: A clear Artikel of payment milestones tied to the completion of specific phases of the project. This often involves a down payment, progress payments at various stages, and a final payment upon project completion and inspection. For example, a typical schedule might include 25% upfront, 25% upon completion of the tear-off, 25% upon installation of the underlayment, and 25% upon final inspection.
Project Timeline: Realistic start and completion dates, including allowances for potential weather delays. This should also specify the process for addressing delays caused by unforeseen circumstances or material shortages.
Warranty Information: Details of any warranties offered on materials and workmanship, including their duration and coverage. This should explicitly state what is covered and what is excluded under the warranty.
Dispute Resolution: A method for resolving disputes, such as mediation or arbitration, to avoid costly and time-consuming litigation. This should clearly Artikel the steps involved in the dispute resolution process.
Permitting and Inspections: Clarification of responsibilities regarding obtaining necessary permits and scheduling inspections. This should specify who is responsible for obtaining and paying for any necessary permits.
Change Orders: A procedure for handling changes to the original scope of work, including how changes will be priced and approved. This should Artikel a process for documenting and agreeing upon any changes to the original contract.
Insurance and Bonding: Verification of the contractor’s insurance and surety bond coverage, including policy numbers and limits of liability. This ensures the homeowner is protected in case of accidents or contractor default.

Comparison of Standard and Roofing-Specific Contract Terms

Standard contract terms cover general aspects like payment, timelines, and dispute resolution. Roofing contracts, however, require more specific clauses addressing factors unique to roofing projects. For example, a standard contract might not address weather-related delays, while a roofing contract should explicitly Artikel procedures for handling such delays. Similarly, a standard contract may not detail the specifics of materials used, while a roofing contract needs to be very precise about the type of shingles, underlayment, and flashing used. The level of detail needed in a roofing contract reflects the specialized nature of the work and the potential for significant damage if the project is not completed correctly.

Legal Ramifications of Contractual Discrepancies or Missing Clauses

Discrepancies or missing clauses in a roofing contract can lead to various legal ramifications. For instance, an ambiguous scope of work could result in disputes over the extent of the contractor’s obligations. A missing payment schedule could lead to payment disagreements and potential legal action. Lack of a clear dispute resolution clause could prolong disputes and increase legal costs. In extreme cases, significant financial losses and reputational damage can result from poorly drafted or incomplete contracts. The absence of a warranty clause could leave the homeowner with no recourse if defects arise after the project’s completion. In short, a well-drafted contract is essential to mitigating potential legal risks and ensuring a smooth and successful roofing project.

Insurance Coverage Details

Understanding the specifics of a roofing contractor’s insurance policy is crucial for homeowners. This section details the types of coverage typically included, potential exclusions, and situations where a surety bond might be necessary. This information helps ensure you are protected throughout the roofing project.

Typical roofing contractor insurance policies, primarily general liability and workers’ compensation, offer protection against various damages. General liability insurance covers bodily injury or property damage caused by the contractor’s work or negligence on the job site. This could include damage to your home during the roofing process, injury to a worker on your property, or damage to a neighbor’s property. Workers’ compensation insurance protects employees if they are injured on the job, covering their medical expenses and lost wages. It’s important to note that these policies typically have limits, and exceeding those limits leaves the homeowner potentially exposed.

Damages Covered by Roofing Contractor Insurance

General liability insurance policies typically cover a wide range of damages directly related to the roofing work performed. This commonly includes accidental damage to your property during the installation or repair process, such as damage to your landscaping, siding, or gutters. It also extends to injuries sustained by third parties due to the contractor’s negligence on your property. For example, if a worker accidentally drops a tool and injures a passerby, the general liability policy would likely cover the resulting medical expenses and legal liabilities.

Situations Where Insurance Might Not Cover Roofing Damage

It’s vital to understand that insurance policies have limitations. Several scenarios might result in roofing damage not being covered by the contractor’s insurance. Pre-existing damage, for example, that was not disclosed before the work began, is often excluded. Similarly, damage caused by acts of God, such as hurricanes or tornadoes, usually falls outside the scope of a contractor’s liability insurance. Failure to maintain proper safety procedures, leading to accidents or damage, might also lead to denied claims. Negligence on the part of the homeowner, such as failing to address a known leak promptly, could also affect insurance coverage.

Contractor Bond Utilization Examples

A surety bond is a different type of protection that acts as a financial guarantee. Unlike insurance, which covers accidents, a bond protects the homeowner from financial loss if the contractor fails to complete the job as agreed or performs substandard work. This is particularly relevant in cases of contractor bankruptcy or breach of contract.

For example, if a contractor receives payment for materials but doesn’t deliver them, leading to project delays or incomplete work, the homeowner can file a claim against the bond. The surety company will then step in to cover the financial losses incurred by the homeowner, up to the bond amount. Another example would be if the contractor performs shoddy work, requiring costly repairs, the homeowner could make a claim against the bond to cover the rectification costs.

Verification of Credentials

Verifying the insurance and bonding of a roofing contractor is a crucial step in protecting yourself from potential financial and legal liabilities. Failing to do so could leave you responsible for damages, injuries, or unpaid labor. This section details how to independently verify a contractor’s claims.

Independent verification ensures that the contractor’s claims are accurate and up-to-date, providing peace of mind before commencing any work. This process involves directly contacting the insurance provider and surety company to confirm the validity and coverage details of the provided documentation.

Contacting Insurance Companies

To verify a contractor’s insurance, you’ll need the name of the insurance company, the contractor’s policy number (if available), and the contractor’s business name. You can then contact the insurance company directly via phone or email. Most insurance companies have dedicated customer service lines for policy verification. When contacting them, be prepared to provide your own identifying information for security purposes. It is also important to politely request confirmation of the policy’s active status, the coverage amounts, and the policy’s expiration date. Be aware that due to privacy regulations, the insurance company may only confirm the existence of the policy and its active status, without disclosing specific details of the coverage.

Contacting Bonding Agencies

Similar to verifying insurance, you’ll need the surety company’s name, the bond number, and the contractor’s business name to verify a contractor’s surety bond. You can locate the surety company’s contact information online through their website or through a general search. Contacting them directly via phone or email will allow you to confirm the bond’s validity, the bond amount, and the expiration date. Again, expect that some information may be restricted due to privacy regulations, but confirmation of the bond’s existence and current status is crucial.

Obtaining Proof of Current and Valid Insurance and Bonding

Requesting and receiving official documentation from the insurance company and surety company is vital. This documentation should clearly state the contractor’s name, the policy or bond number, the effective dates of coverage, and the coverage amounts. This serves as irrefutable proof in case of disputes or claims. Do not rely solely on certificates of insurance or surety bonds provided by the contractor; independent verification provides an additional layer of protection and ensures the information is accurate and up-to-date. A discrepancy between the contractor-provided documents and the information obtained directly from the insurer or surety company should raise significant concerns. Consider this a red flag and proceed with caution, or even choose a different contractor.

Cost Implications

The decision to hire an insured and bonded roofing contractor involves a financial consideration that extends beyond the immediate project cost. While upfront expenses might seem higher, the long-term implications of choosing a properly insured and bonded professional often lead to significant cost savings and peace of mind. Understanding these cost implications is crucial for making an informed decision.

The cost of insurance and bonding for roofing contractors is factored into their overall pricing structure. This means that insured and bonded contractors generally charge more per hour or per project than those who are not. However, this price difference reflects the added protection and financial security these contractors offer. This higher initial cost is a premium paid for risk mitigation.

Pricing Structures: Insured vs. Uninsured Contractors

Insured and bonded contractors typically utilize a transparent and itemized pricing structure. This usually includes a detailed breakdown of labor costs, materials, permits, and the contractor’s overhead, including the cost of maintaining insurance and surety bonds. Uninsured contractors, conversely, may offer lower initial bids, but often lack this transparency. They may also omit crucial aspects of the project cost, potentially leading to unexpected additional charges later on. For example, an uninsured contractor might offer a seemingly low price for a roof replacement but then fail to account for the cost of waste removal or permit acquisition, resulting in substantial extra expenses for the homeowner. This lack of transparency can lead to disputes and increased overall project costs.

Long-Term Cost Savings with Insured and Bonded Professionals

Hiring an insured and bonded contractor offers substantial long-term cost savings by mitigating the risk of unforeseen circumstances. For instance, if a worker is injured on the job, an uninsured contractor could be held personally liable for significant medical expenses and legal fees. These costs, if not covered by insurance, could be passed on to the homeowner through lawsuits or liens placed on the property. Conversely, a properly insured contractor’s insurance policy would cover such liabilities, protecting the homeowner from substantial financial burdens. Similarly, surety bonds provide financial protection against contractor default or substandard workmanship. If the contractor fails to complete the project or performs it inadequately, the bond ensures the homeowner can recover their losses, avoiding costly repairs or re-doing the entire job. A real-life example could be a situation where an uninsured contractor damages a neighbor’s property during the roofing work. The homeowner would then be liable for those damages, adding unexpected expenses to the project. In contrast, a bonded and insured contractor’s insurance would cover such damages, protecting the homeowner from significant additional costs.

Dispute Resolution

Disputes can arise even with insured and bonded roofing contractors. Understanding the process for resolving these conflicts is crucial for both homeowners and contractors. This section Artikels the procedures for handling claims and disputes related to roofing projects, focusing on utilizing the contractor’s insurance and bond.

Resolving disputes typically begins with direct communication between the homeowner and the contractor. Attempting to reach a mutually agreeable solution is always the first step. Documentation of all communication, including emails, letters, and photographs, is essential throughout this process. If direct communication fails to resolve the issue, further steps may be necessary, involving the contractor’s insurance or surety bond.

Filing a Claim Against a Contractor’s Insurance or Bond

Filing a claim requires careful documentation and adherence to specific procedures. This process may vary depending on the specific insurance policy or surety bond in place. Generally, it involves submitting a formal written claim outlining the nature of the dispute, the damages incurred, and supporting evidence.

A step-by-step guide for filing a claim could include:

Gather Documentation: Collect all relevant contracts, invoices, photos of damaged work, and any communication with the contractor.
Submit a Formal Claim: Send a written claim to the contractor’s insurance company or surety bond provider, including all gathered documentation. Retain a copy for your records.
Follow Up: After submitting the claim, follow up with the insurance company or surety bond provider to inquire about the status of your claim. Keep records of all communication.
Negotiation and Settlement: The insurance company or surety bond provider will investigate the claim and may negotiate a settlement. Be prepared to provide additional information if requested.
Legal Action (if necessary): If negotiations fail, you may need to pursue legal action to resolve the dispute. Consult with an attorney to understand your options.

The Role of Mediation or Arbitration

Mediation and arbitration are alternative dispute resolution (ADR) methods that can help resolve disputes outside of court. Mediation involves a neutral third party who helps the parties communicate and reach a mutually agreeable solution. Arbitration involves a neutral third party who hears evidence and makes a binding decision.

Mediation is often a less formal and less expensive option than arbitration or litigation. It allows for more flexibility and can help preserve the relationship between the homeowner and contractor, even if the outcome isn’t perfectly favorable to one party. Arbitration, while more formal, still typically avoids the costs and time associated with court proceedings. The choice between mediation and arbitration often depends on the specifics of the dispute and the preferences of the parties involved. Many contracts specify ADR as a prerequisite to legal action.

Common Roofing Problems and Insurance

Understanding which roofing problems are typically covered by insurance is crucial for homeowners. This knowledge empowers you to effectively navigate the claims process and avoid unexpected expenses. Knowing what your policy covers and how to file a claim can significantly reduce stress during a costly and inconvenient roof repair or replacement.

Many homeowners insurance policies cover damage to roofs caused by sudden and accidental events, such as severe weather. However, coverage specifics vary widely depending on the policy, the cause of the damage, and the extent of the damage. It’s vital to carefully review your policy to understand the specific terms and conditions. Remember that normal wear and tear is generally not covered.

Filing a Claim with the Contractor’s Insurance Company

Filing a claim typically begins by contacting your insurance company directly. You will need to provide detailed information about the damage, including photographs and a description of the incident. The insurance company will then send an adjuster to assess the damage and determine the extent of coverage. If the damage is covered, the insurance company will typically pay the contractor directly, or reimburse you after you’ve paid the contractor. The process can take several weeks, depending on the complexity of the claim and the insurance company’s workload. Keeping detailed records of all communication and documentation is essential throughout this process. You should also ensure your contractor has the necessary licenses and insurance to work on your roof. Working with an insured and bonded contractor can streamline the claims process and provide additional protection.

Common Roofing Problems and Their Insurance Implications

It is important to understand that insurance coverage for roofing problems is heavily dependent on the cause of the damage and the specifics of your insurance policy. Always refer to your policy documents for the most accurate and up-to-date information.

Wind Damage: Wind damage, such as shingles blown off by a storm, is often covered by homeowners insurance. The claim process typically involves documenting the damage with photos and contacting your insurance company.
Hail Damage: Similar to wind damage, hail damage is usually covered if it results in significant damage to the roofing materials. The adjuster will assess the extent of the damage caused by hail.
Tree Damage: Damage caused by falling trees or branches is typically covered, assuming the damage was caused by a sudden and accidental event, rather than gradual deterioration.
Fire Damage: Fire damage to a roof is usually covered under most standard homeowners insurance policies. This coverage includes damage from both internal and external fires.
Lightning Damage: Lightning strikes can cause significant damage to a roof. This type of damage is generally covered by insurance policies.
Water Damage (from covered events): Water damage resulting from a covered event, such as a sudden and accidental leak from a burst pipe or a damaged roof due to a storm, is often covered. However, water damage due to gradual leaks or poor maintenance is typically not covered.

Importance of Licensing

Securing a roofing contractor who possesses the necessary licenses and permits is paramount to ensuring a safe, legal, and high-quality roofing project. Licensing demonstrates a contractor’s competency and adherence to industry standards, offering homeowners crucial protection against substandard work and potential legal issues. This section will explore the vital role of licensing in the roofing process and compare it to the protective measures offered by insurance and bonding.

Licensing, insurance, and bonding each play distinct yet interconnected roles in safeguarding homeowners during a roofing project. Insurance protects against financial losses due to accidents or damage during the project. Bonding guarantees the completion of the project as agreed upon in the contract. Licensing, however, verifies the contractor’s qualifications and adherence to local regulations, ensuring they possess the necessary skills and knowledge to perform the work safely and competently. While insurance and bonding mitigate financial risks, licensing mitigates the risk of shoddy workmanship and potential legal ramifications.

Licensing Requirements Vary by Location

Licensing requirements for roofing contractors differ significantly based on geographical location. State and local governments often mandate specific certifications, examinations, and background checks before issuing a license. These requirements vary in stringency, encompassing factors such as the type of roofing work permitted, the number of employees, and the level of insurance coverage required. For example, a contractor specializing in complex commercial roofing projects may face stricter licensing requirements compared to one focusing solely on residential shingle replacements. Homeowners should always check with their local authorities to determine the exact licensing stipulations applicable to their region.

Consequences of Hiring an Unlicensed Contractor

Hiring an unlicensed roofing contractor can expose homeowners to numerous risks. These risks include, but are not limited to, inferior workmanship leading to premature roof failure, lack of warranty protection, difficulty in resolving disputes, and potential legal liabilities. An unlicensed contractor may lack the necessary skills and training, resulting in damage to the property or even personal injury. Moreover, the absence of proper insurance coverage leaves homeowners financially vulnerable in case of accidents or damage during the project. In some jurisdictions, hiring an unlicensed contractor may even carry legal penalties for the homeowner. The lack of a proper license often signals a disregard for safety and legal regulations, posing significant risks to the homeowner’s investment and well-being.

Building a Strong Case

Successfully navigating an insurance claim for roofing damage requires meticulous documentation and a clear understanding of your policy. A well-constructed case significantly increases your chances of a fair and timely settlement. This section Artikels the steps to build a strong case and provides a checklist of essential documents.

Building a robust case hinges on providing comprehensive evidence supporting your claim. This involves documenting the damage thoroughly, demonstrating the contractor’s liability (if applicable), and adhering strictly to your insurance provider’s claims procedures. Remember, the more detailed and organized your documentation, the stronger your case will be.

Essential Documentation for Insurance Claims

The following checklist details the crucial documents needed to support your roofing insurance claim. Gathering these documents promptly and accurately is paramount to a successful claim.

Document Type	Description
Initial Damage Report	A detailed description of the damage, including photographs and videos taken immediately after the incident. Note the date, time, and weather conditions. Include specific details like the location and extent of the damage (e.g., “damaged shingles on the south-facing roof section, approximately 15 square feet”).
Contractor’s Contract and Invoices	Copies of the contract with the roofing contractor, including specifics about the work performed, materials used, and payment schedule. Include all invoices related to the roofing work. This demonstrates the scope of work and any potential contractor negligence.
Photographs and Videos	High-resolution photographs and videos documenting the extent of the damage before, during, and after any repairs. Multiple angles and close-ups are beneficial. Include images showing the overall roof condition and specific areas of damage.
Insurance Policy	A copy of your homeowner’s or commercial insurance policy, including the relevant sections covering roof damage. This ensures you understand your coverage and deductibles.
Proof of Ownership	Documentation proving your ownership of the property, such as a deed or mortgage statement. This verifies your eligibility to file a claim.
Repair Estimates	Detailed estimates from at least two reputable roofing contractors outlining the necessary repairs and their associated costs. This helps establish a reasonable cost for the repairs.
Communication Records	Copies of all communication with your insurance company, including emails, letters, and notes from phone calls. This documents the timeline of your claim and any discussions held.
Expert Reports (if applicable)	Reports from qualified professionals, such as structural engineers or roofing inspectors, who can attest to the cause and extent of the damage. This is particularly useful in complex or disputed cases.

Clarifying Questions

What is the difference between insurance and bonding for a roofing contractor?

Insurance protects against accidents or damage caused by the contractor during the project. Bonding protects the homeowner if the contractor fails to complete the work as agreed or if they fail to pay subcontractors.

How much should I expect to pay for an insured and bonded roofing contractor?

Pricing varies depending on the project’s scope and location. Expect to pay a slightly higher rate for insured and bonded contractors, reflecting the added protection they provide.

What if my contractor’s insurance doesn’t cover the damage?

If the damage is not covered, you may need to pursue legal action or file a claim against the contractor’s bond. Thoroughly review the policy and contract details.

Can I get a copy of the contractor’s insurance certificate?

Yes, you should always request and receive a copy of the contractor’s current and valid insurance certificate before work begins.