Questions To Ask Your Gutter Contractor

Do You Carry General Liability Insurance?
Make sure the company you are considering carries general liability insurance. This is the insurance that protects your home from damage or negligence of the contractor, his employees or any sub-contractors he hires and brings on your property. A one million dollar policy is the standard of the industry. Also, remember that anyone can say they are insured, make them prove it with a copy of it, check the expiration dates, you can call the issuing authority and verify their insurance is in force.

Do You Carry Workers Compensation Insurance?
Make sure the contractor carry’s workers compensation insurance. This protects you from liability if a worker is injured while on your property. Be aware that if the contractor doesn’t carry workers’ compensation coverage, you will be liable for any injuries suffered by the contractor or any of his employees on your property.

If the contractor is a one-man operation, he can be exempt from having to carry workers’ compensation insurance. Ask him to show you his certificate of exemption from workers’ compensation. This is very risky for you though. If he shows up with a helper and the helper gets hurt, with no workers’ compensation insurance, you may have to pay the medical bills. If the uninsured contractor is sloppy about verifying his sub-contractors workers compensation insurance and the sub-contractor gets hurt, again you may have to pay the medical bills. Bottom line - It is always safer to deal with a fully insured contractor.

Do You Guarantee Your Work?
This is one of the most forgotten questions for customers. You wouldn't buy a car without a warranty would you? Ask about the warranty and ask if it is in writing. Never accept a verbal warranty of "If something breaks, don't worry, I'll fix it." a verbal warranty will be worth the paper it is printed on. Always insist on a warranty in writing. The warranty should clearly spell out what is covered and what is not and how long the warranty is good for.

Do You Provide References In Writing?
A good contractor will be happy to provide you with dozens of written references. One of the best ways to gage a companies abilities is by talking to their past customers. Ask them how well the company met their promises, did they deliver on time, and most importantly would you hire them again or recommend them to others? Ask them what they like the most about working with them and what they could have improved upon.
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If you are looking for a gutter protection, gutter cleaning or awnings for your Ohio home, please call us today at 419-532-3610 or complete our online request form.