Fort Worth Roofing: Article About How Texas Protects Homeowners
Many homeowners cringe at the thought of roof repair and replacement. There are many things to take into consideration, and hiring a roofer is a big decision. What separates one roofer from another? What agencies can consumers turn to for advice and protection? Many websites advise potential roofing clients to make sure that the roofer they hire is licensed, bonded and insured. However, the significance of this phrase varies from state to state and even from county to county. Many homeowners can become overwhelmed and frustrated. An established Fort Worth roofing contractor will not only know how to satisfy the regulations and requirements placed on them, they will also be able to help homeowners understand the roofing process.
The state of Texas does not license its roofers. They leave that up to the individual cities and counties. These governmental units ensure building integrity by using a system of permits and inspections. Roofers must apply for and receive the correct permits and inspections before beginning work.
Homeowners should look for roofers who are fully insured. Roofers who are bonded and who carry liability insurance and workers' compensation insurance, regardless of the requirements of the law, demonstrate their sense of financial responsibility and commitment to doing things correctly.
Although The Texas Department of Licensing and Regulation does not monitor roofers, the state of Texas does place specific restrictions on the roofing industry via the Texas Department of Insurance.
The roofing contractors at Total Roofing of Fort Worth can answer questions about emergency repairs or residential roofing.
This agency is responsible for developing regulatory policy and building codes as they pertain to homeowners' insurance claims. The TDI developed the Texas Windstorm Building Code after realizing that the current code was inadequate to protect homes from one of Texas' harshest weather patterns.
Additionally, roofers in Texas are expressly prohibited from acting as the insurance adjuster for a client's insurance claim, even if they hold credentials that would otherwise qualify them to perform this service. This law has been in effect for several years, so homeowners should be wary of any roofer who claims to be able to file their insurance claim for them or to act as an adjuster for the insurance company.
So even though the state does not directly monitor a roofer's competency, homeowners who need roofing repair or replacement are not left to fend for themselves.
Building code development by the TDI, its enforcement by individual municipalities and the regulations separating the roles of roofers and insurance adjusters are a powerful combination that protects homeowners from fraud and ensures a home's structural integrity under the harshest weather conditions.