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So you are thinking about getting a new roof, or perhaps siding or gutters, and you call a number from a yard sign you saw. The contractor comes out to the house while you are at work, walks around, climbs up on your roof, and leaves the bid inside the mailbox. You get a few other bids as well, all done the same way. You never actually talk to anyone face to face, and very few questions are asked. You hire one of the contractors to come and do the roof and the contractor shows up to get started. It is a Saturday, so you and the family head out on the town.

STOP!!!! Does this sound familiar? It happens every day, and every day we as home owners fail to do the due diligence on the contractors we hire. Other people use them, they seem nice, all good, but you need to make sure that . . .

The contractor is licensed to do the work--and you should ask for documentation.
The contractor and anyone else working on the job are properly insured--and again, you should ask for documentation.
The contractor has the names of referrals for you to talk to.

Understand that if contractors come to your home to do work for which you hired them, then you are responsible. Don’t think for one minute that a contractor who is uninsured won’t sue you if he/she falls off the roof or the ladder. Someone has to pay. Even a contractor who is

As you wrap up the holidays and prepare for the new year I would encourage you to take a few moments and review your insurance policies. I know it might not be the most fun thing to do, however today more than ever we need to make sure that we are protected and that our assets are protected as well. One quick note to make for those who live in Michigan we might be in a no-fault state for auto insurance, however you can still be sued for:Wrongful Death Disfigurement Loss of Wage up to $4713.00 per month and Impairment of Bodily Function ( I use to be able to move all my fingers and now I can't, so I am going to sue you)

Do your Auto limits for Bodily Injury equal or exceed all your assets? or are they the minimum or below?

If you drive a car you may want to watch this video and if you own a cell phone or your kids do and they are driving you need to watch this video. This was a PSA put out by the British government. They won't show it in the USA because of its graphic nature.