re: FYI for Ida victims: Roof-Tarp and Water Intrusion info for the next few days

Thanks for the info

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Any company offering to deal with your insurance for you is a scam artist and not there to help you

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no one can do repairs over $7500 in LA unless they are licensed. That means they carry general liability and comp and are regulated by the contractors board which means you have recourse if something happens.

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The absolute best two pieces of advice anyone can read when dealing with repairs in Louisiana.

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What I'm worried about is getting it replaced with what I have. My whole roof is 22ga and I dont want it replaced with tin foil.

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There are a few metal roofing companies working in LA that have their own portable roller machines so they can manufacture their panels job-specific on-site.

You should be fine and probably get an upgrade to standing seam (if you don't have it already) using someone like that.

Great advice here and from Stout. To speed along the process with mortgage company if you need signatures from yourself and the mortgage company, overnight/2 or 3 day select the check once you sign and enclose the same overnight/2 or 3 day select for them to return to you.
This will save you aggravation and about a week to 10 days to have it returned.

Thats badass. I do have standing seam already but its so fricked up I had to cut shite out and glue down pieces of sheets I had laying around just to get it closed off. Im tarping it tomorrow once I get some tarps.

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stout

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All good advise. Here's more:

Being a licensed contractor does not mean that you are covered. A licensed contractor showing you a COPY of their liability policy does not actually certify they are covered. Nor does a copy of their worker's compensation policy statement.

Here's how to ensure (thanks poster moneyg insider info: get the premium subscription to understand) that you are covered:

1. Tell the contractor that you are happy with and want to contract with to contact his insurance agent / insurer and to issue a new certificate of insurance showing both Liability coverage and Worker's Compensation coverage (they may use two different agents for this, so would need two certificates of insurance) AND (this is very important) to add you (yourself, or you and your spouse, however the house is titled) as "OTHER INSURED". This is free to the contractor, does not cost them anything extra, and it adds you as insured against liability in case the contractor does something to cause damage to public property or your neighbors' property and you get sued. Plus, the insurance company, not the contractor, will send an original copy of the insurance certificate directly to you in the mail. This way, you are assured that the contractor is covered, and that you are, too.

2. Have your contractor advise you, in writing, that he/she is not/will not be using any "independent contractors", usually meaning no illegals that are paid under the table. If you see a bunch of Mexicans on your roof, there is a 95% certainty that they are not covered by worker's compensation and are being paid under the table. Illegal or not, if one falls off the roof and breaks his neck, and is paralyzed, you are just as liable as the contractor. Contact your insurance company and have them add a temporary rider that covers you in the event the contractor does not cover (as required by law) everyone on your property. This is peace-of-mind insurance and is a very small fee.

Here is a link to the standard Acord 25 certificate form used by insurance companies to certify coverage (and by unscrupulous businesses that just want to print out a form and fill in the blanks to APPEAR like they have insurance). online .pdf file

I get what you are saying, but this...

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Have your contractor advise you, in writing, that he/she is not/will not be using any "independent contractors",

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Means you will still be searching for a contractor 3 years from now.

ETA:

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However, the terminated employee may still qualify for workers’ comp in many case. State laws in Texas, New York, Florida and Utah specifically grant undocumented workers who are injured on the job the right to collect workers’ comp benefits. In Connecticut, Georgia, Nebraska, Louisiana, Ohio, Oklahoma, North Carolina, New Jersey and South Carolina, the courts have ruled that an employee cannot be denied workers’ comp solely because he or she was an undocumented worker who was illegally employed.

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LINK

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However, the terminated employee may still qualify for workers’ comp in many case. State laws in Texas, New York, Florida and Utah specifically grant undocumented workers who are injured on the job the right to collect workers’ comp benefits. In Connecticut, Georgia, Nebraska, Louisiana, Ohio, Oklahoma, North Carolina, New Jersey and South Carolina, the courts have ruled that an employee cannot be denied workers’ comp solely because he or she was an undocumented worker who was illegally employed.

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The problem that comes in is when that contractor does not register that person as an employee and does not pay unemployment insurance, and that persona signed a waiver of liability form with that contractor, but not with the homeowner.

My best advise is to discuss your exposure with your insurance agent and if your agent leaves you open to liability after the discussion, then if something bad happens, you can then also sue the agent under errors and omissions.

Great advice throughout this thread.

We will be coming in towards the end of the week with manpower...

The certificate of insurance is a must and they must get their carrier to list you as additional insured.

We work with several hundred contractors and each of them have their own COI from us with them named as additional insured.

We are coming in to work with commercial and industrial contractors...

We provide all ppe for our guys. They’ve all been through our safety orientation, drug tested, everified.

We cover their comp, payroll taxes, and keep a general liability policy on all of them.

We have worked and do work on some of the country’s largest and highest profile jobs including intel in Az, Tesla, stadiums, hospitals, schools, high rises...

Goal is to come in and supplement commercial and industrial crews.

If anyone needs help in those areas, let me know.