WHY ROOF DOCTORS IS LICENSED, BONDED & INSURED
When a roofing contractor is licensed in the
State of California it means that they have fulfilled the requirements
set forth by the California State License Board (CSLB) and have been
issued a C-39 class license to practice as a roofing contractor. A
license can be revoked or suspended, at any time, by the CSLB for:
non-payment of fees; a claim against an insurance bond; a felony or
misdemeanor conviction involving dishonesty, fraud, deceit, or theft;
failure to provide proof of an insurance bond; failure to provide proof
of a workers compensation insurance policy; violations of the
Contractors State License Law; crimes that indicate a disregard for the
health, safety, or welfare of the public; or, for taking advantage of
the public during emergencies like earthquakes, floods, or fires.
DOCTORS has always been in goodstanding with the CSLB and has never had
their license revoked or suspended at any time for any reason.
Different license numbers have been issued by the CSLB to ROOF DOCTORS
over our 25-year history because of legal changes made to our business
structure that were required due to the growth of our company, and
because of a business reorganization that was required due to the
sudden death of one of our members. The CSLB will always issue a new
license number when the business structure has been changed, even
though its owner or owners are still the same, and even though the
owners or the company have had no history of any wrong doing. ROOF DOCTORS is duly licensed with the CSLB (#896271).
Every contractor in California is required to file a Contractor's Bond with the CSLB in order to have a valid license to
practice in the State of California. The Contractor's Bond is filed for the benefit of consumers who may be damaged as a result of defective construction or other license law violations, and for the benefit of employees who have not been paid wages that are due to them.
WORKERS COMPENSATION INSURANCE
have hired a licensed contractor and you feel that their work was not done
properly or that it was not completed, then file a claim with the CSLB. If the contractor does not correct the problem, the CSLB will
suspend and revoke the contractor's license. The Contractor's Bond will pay to correct or finish the work on behalf of the
contractor, and the bonding company will then seek reimbursement from
the contractor for what they paid. The CSLB will not re-activate a suspended
contractor's license until the bonding company has
given notice to the CSLB that any amount paid by the bonding company has been
satisfied by the contractor. The contractor must then provide proof of a
new Contractor's Bond before his license can be reinstated. You would be
surprised at how many contractors are still being hired for their
services in the state of California even though their license status has
been suspended or revoked because of a claim against their Contractor's Bond. ROOF DOCTORS has a current and valid Contractor's Bond and has
never had a claim made against its Contractor's Bond, for any reason, since we have been in business since 1987.
The CSLB requires a
contractor to have a current and valid policy of workers compensation
insurance before a contractors' license is valid. The CSLB will suspend
or revoke a contractor's license without proof of workers compensation insurance. Workers compensation is an insurance that provides
replacement for lost wages and medical
benefits for employees who are injured in the course of employment.
ROOF DOCTORS has a current and valid worker's compensation insurance
policy and has never had this policy revoked or suspended at any time
for any reason. ROOF DOCTORS has never had an employee file a workers
compensation insurance claim since we have been in business since 1987.
GENERAL LIABILITY INSURANCE
The CSLB does NOT require
a contractor to have a general liability insurance policy in the state
of California. The CSLB leaves the decision to the contractor as to
whether they wish to obtain a policy for general liability insurance.
The CSLB lets the consumer decide whether or not to use the contractor
who may or may not have a policy of general liability insurance. Roofing companies who tear off and install new roofs should have general
liability insurance because the risk of liability increases by the
volume of debris that is torn off of a roof and by the volume of
materials that are taken up onto the roof. Many contractors do NOT
have a current policy of general liability insurance because the
premiums can be cost prohibitive and make it expensive to obtain. Many
companies are self-insured - meaning that they will settle their own
general liability claim. A roofing contractor's general liability
policy protects the homeowner from any claim or damage against the
homeowner caused by the roofing contractor while they are working on the
homeowner's roof. In the absence of a general liability policy or the
inability of the roofing contractor to satisfy a general liablity claim,
then often times the homeowner insurance policy must step in to
defend any general liability claim. ROOF DOCTORS has a current and
valid general liability insurance policy and has never paid a general
liabillity claim of any kind since we have been in business since 1987.
WHEN IS AN INDIVIDUAL OR COMPANY REQUIRED TO BE LICENSED BY THE CALIFORNIA STATE LICENSE BOARD ?
Any individual or company who performs contracting services in the state of California in excess of $500 or more, including labor and materials, is required to be duly licensed by the CSLB or they may face fines, imprisonment or both. The CSLB has established statewide investigative fraud teams that
focus on unlicensed contractors and the underground economy.
To curtail illegal contracting activities, these units conduct
stings and sweeps which are publicized to ensure maximum
consumer education. Contracting without a license is
usually a misdemeanor, carrying a potential sentence of up to
six months in jail and/or a $500 fine, and a potential
administrative fine of $200 to $15,000. Subsequent violations
increase criminal penalties; if there is a prior conviction
for contracting without a license, a fine of 20 percent of the
contract price of the work performed, or a $4,500 fine shall
be imposed. Also, the unlicensed contractor shall be confined
to jail for no less than 90 days. In fiscal year 2009-10, CSLB helped recover nearly $42 million in ordered restitution for consumers.
WHAT IS THE MAXIMUM AMOUNT THAT CAN BE ACCEPTED BY A CONTRACTOR AS AN UP-FRONT PAYMENT ?
Many handymen or
unlicensed individuals claim to be roof repair specialists and get
around the state license requirement by either charging less than the
$500 threshold or by billing in increments of less then $500 even though
the total repair bill may exceed $500. Beware of any individual or
company, who performs roof repairs on your home that is not a
duly licensed roofing contractor, regardless of the amount that you pay
to them. We have been asked many times to certify and warranty roof
work already performed by these individuals. In most cases, their work
has not been done properly and their work has to be corrected and
repaired over again. This usually results in costs to the homeowner, in
addition to what they have already paid the handyman. Future problems
arise when the roof subsequently leaks during a rain storm, and a roofing contractor must be called out, because the handyman has no idea how to fix the roof that is now leaking. If
you ever suspect that any handyman or individual is performing a roof
repair that requires a valid and current contractor's license
then decline their services and / or contact the CSLB for enforcement
action. ROOF DOCTORS is able to charge any amount in excess of $500 as
a roofing contractor in the state of California since it holds a valid
and current C-39 class Roofing Contractor's License (#896271).
It is against the law, in the state of California, for a contractor to
ask for an up-front fee of more than $1,000 or 10 % of the contract,
whichever amount is LESSER. For example, if a roofing contractor is
installing a new roof, and the new roof were to cost $12,000 to
install, it is against the law for a contractor to ask for more than
$1,000 up-front from the homeowner. If the new roof were to cost
$8,000, it is against the law for the contractor to ask for more than
$800 up-front from the homeowner. ROOF DOCTORS never requires an
up-front fee of any kind prior to commencing their work. Unless out of
convenience to the homeowner, ROOF DOCTORS does not accept payment until a job has
been completed and the person paying for our services has been totally
satisfied with our work.