Who Should Have an Illinois State Contractors License?
In the state of Illinois, siding contractors are not required to carry a contractors license,
only roofing contractors are. Any contractor who is seeking information on the licensing procedures within the state of Illinois should refer to the Illinois Division of Professional Regulation. There, you will find valuable information regarding the requirements and prerequisites for obtaining an Illinois State contractors license.
Is Your Chicago Area Siding Contractor Covered?
Though siding contractors aren't required to have liability insurance,
many companies have it anyway.
As a homeowner, it is your responsibility to request the insurance information from your prospective siding contractor. All contractors covered by a Commercial Liability policy are required to provide you with not only the name of the insurance provider, but the phone number as well. By having Commercial Liability Insurance, your contractor is protecting not only themselves, but your family as well. Be very careful when reading over your paperwork. Some small-time contractors present their information entwined in excess wording, in an effort to mask their insurance information (or lack thereof). In addition to the insurance, Chicago area siding contractors are required to provide all quotes and contracts to you in writing.
What Does Liability Insurance Cover?
As a rule of thumb, insurance providers that cover siding contractors will cover accidental property damage in the event of any mishaps during the duration of your project. Likewise, most insurance providers will include coverage for bodily injury. This protects the contractor and yourself in the event of any accidents involving injured persons while on the job site. While Commercial Liability Insurance covers accidents, it is important to keep in mind that the insurance does not act as a warranty, or guarantee of service of any kind. It is up to each individual siding contractor to offer a quality guarantee. Be sure to question your contractor as to how they would handle a situation involving faulty installation.
OK, Now I'm Worried. How Can I Check Out My Sider?
Verifying the information your Chicago siding contractor provides you with has never been easier. For license verification, simply visit the Illinois Division of Professional Regulation. When you are verifying insurance coverage, be sure to actually call the insurance company. Some shady contractors will show falsified or expired insurance papers, in hopes that the unsuspecting homeowner will never check the validity of the policy. Be sure to question the insurance company as to whether or not your particular project is covered. Once you have verified the license and insurance, be sure to request references from your contractor. Any siding contractor who is honest, and provides a quality service, will have no problems supplying you with a few references. Be sure to actually call the references, as they can prove to be your best resource when deciding if that particular siding contractor is right for you.
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