Don’t be tricked by a roofing contractor claiming to have a work force and insurance for their workers. Many contractors today are nothing more than “slide of hand magicians”. They’ll show you that their employees are covered by their insurance, but what they don’t tell you is that it only covers their management, office personnel, and on-site supervisors. What they don’t tell you is that they are subcontracting the work to another company, which passes the entire burden off to someone else. The burden of not having to pay unemployment benefits, payroll taxes, and workers compensation when an injury occurs. Subcontractors also tend to pay their workers with cash or personal checks to cut down on the cost of doing “real” business.
Construction has one of the highest rates of injuries.
If someone is hurt on your property and the company has no insurance for its workers the burden can rest on the end user. Workers have the ability to sue the person who is actually buying the roof, which means you could end up paying for a new roof and the cost of a workers hospital bills.
Cities and government municipalities are suffering from severe underfunding.
Subcontractors may have a tendency to pay their workers with cash or personal check to escape paying payroll taxes and unemployment benefits. When workers are paid “under the table” it cripples our cities and states ability to function from the loss of taxes on money earned, that you and I pay. Workers are then left to “honestly” account for all money earned on their annual taxes. These types of businesses only hurt our chances to recover from this recession.
Construction apprenticeships offer highly trained workers in a specific field.
Subcontractors also tend to hire simple laborers who are not trained in a specific trade to cut cost of labor. The work is then installed with sub-standard specifications and can affect the life expectancy of your roof or lead to failures in the roofing system. Leaks can cause thousand in costly repairs to your property and also has the potential to create mold issues. Who is held responsible the contractor or the subcontractor?