The MHIC license is a source of confidence in your Cecil County roofing contractor
It provides a baseline requirement from the State of Maryland for those looking to perform construction work legitimately. Applicants (those who wish to hold a contractors license) must provide proof of at least two years of experience in home improvement-related work. On top of that, they need to prove they have some basis of financial solvency, usually in the form of an outline of total assets, liabilities, credit report, and net worth.
However, those who do not meet these baseline requirements can curtail them by purchasing a surety bond (which, in the end, protects the consumer to a degree). If the contractor represents a corporation (a legal entity in the form of an LLC etc.) then the incorporation articles must also be in good standing with the state. And lastly, MHIC holders are required to hold a certain amount of insurance.
Why is it essential to work with MHIC licensed roofing contractors in Cecil County?
Ultimately, it is to provide a form of protection to the consumer. Often, we hear of fly-by-night contractors coming through a neighborhood after a storm to canvas work. They may, nor may not, hire licensed sub-contractors to perform the job. Why is this bad? Because all of the protections that the MHIC and the State of Maryland put into place are side-stepped.
Whenever you are looking to hire anyone for a remodeling job, whether it is a new roofing system or windows or siding, it is imperative to hire someone with an MHIC number. We also encourage you to request a copy of their insurance packet. This is standard practice and easy to do.
All you have to do is ask something like, Can you provide me with your current insurance declarations page? If you have further requests about that, please refer to the insurance agent that helps you currently with your auto and home insurance. They will know the specifics and will be able to guide you through that process.
How to know if your roofer in Cecil County has an MHIC?
The easiest way is to ask. Another is to look at any of their advertising. Home improvement law requires that MHIC contractors include their trade name (or business name) along with the MHIC number on all advertising. This includes business cards, print and e-mail advertising, websites, social media, TV, and radio adverts.
Also, the MHIC number is required to be displayed on both sides of company vehicles. So if you do not feel comfortable asking the person if they are licensed, then look outside at their vehicle. That is an easy way to determine if they are licensed. Keep in mind that not all contractors follow these guidelines, which doesnt necessarily mean they arent permitted. But good practice is to follow the MHIC requirements because it ultimately protects the consumer.
Another fast way to check out your contractor is to pull up their information online. https://www.dllr.state.md.us/ is an excellent resource for this. You can type in the persons name or their companies name, and the system will output: the person who owns the company, the trade name, address of operations, the category which they are filed with the state (such as contractor/salesman), and their MHIC expiration date. It is essential to check the date. If it is expired, it may mean they have yet to renew, and if they dont show up at all, it may mean they arent licensed.
What is the Guaranty Fund?
The MHIC (Maryland Home Improvement Commission) is the regulatory agency that oversees contractors and salespeople in the home improvement space, including alterations, remodeling, repairs, etc. The agency often investigates complaints by homeowners. They can award monetary damage against licensed contractors and pursues prosecution of those who violate the law and regulations of the MHIC. The key here is that they have jurisdiction over those who are licensed.
If you are working with a contractor who is not licensed, you are not protected by any MHIC statute. The MHIC has a Guaranty Fund, which is funded by the fees of holding an MHIC license. Its purpose is to compensate homeowners for loss due to poor workmanship or failure to perform the job as agreed upon in your contract. But, yet again, this only applies to contractors who hold an MHIC license. There is a maximum amount a homeowner may be able to recover, depending upon the circumstances.
What does it matter for you?
Residents in Harford County and Cecil County, Maryland, need to know the roofing contractor they are working with and what protections and guarantees back their work. Always ask your roof repair and replacement service if they are licensed and if they are insured. These are the basics. It would help if you also did your homework on the companys reputation in the local community.
Go to social media and type in the companys name. Do they have reviews? Do they even have a Facebook page at all? Make sure to protect yourself and make informed decisions when choosing a company to perform your remodel in the Greater Baltimore region.
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If you have any questions about Tar Heel Construction Group LLCs workmanship, licenses, guarantees, and general information please do not hesitate to call. Also, we have a lot of information on this website and have a great web presence across Google and other social media platforms.