Licensed, Insured and Bonded: The Scary Pitfalls of Hiring an Unqualified Sunroom Contractor

sunroom contractor

Murphy’s law states “Anything that can go wrong will go wrong.” This is the way it feels sometimes when remodeling part of your home. Even the best sunroom contractors can run into product shortages, rain delays, or incorrect paint colors. But if they are qualified, those should be the extent of your problems.

It’s the unqualified sunroom contractors you have to watch out for. If they aren’t licensed, insured, or bonded, your reno project could go from Murphy’s law status to a never-ending nightmare.

Why a Sunroom Contractor Should be Licensed

Obtaining a contracting license is way more involved than getting a driver’s license. Licensed sunroom contractors have to pay yearly dues and follow all the rules to maintain their active status with the state licensing department. 

If the contractor you are considering is too lazy to get their license, imagine how lazy they could be when they need to be working hard on your project. They would have no incentive to follow building codes or pull proper permits because if you have a problem, there would be no higher authority to which you could submit a complaint.

Why a Sunroom Contractor Should be Insured

A legitimate sunroom contractor should have two types of insurances — liability and workers’ compensation. Liability insurance pays for damage to your property caused by the contractor or his employees. Workers’ compensation insurance would pay for lost wages and medical bills of anyone who is injured on the job. 

If your chosen contractor doesn’t have liability insurance, they could literally back a bulldozer into your gardening shed, and all they might give you is a “sorry.” If they don’t have workers’ compensation insurance and a worker is injured on your property, you could be facing a lawsuit if you don’t pay for their lost wages and medical bills.

Why a Sunroom Contractor Should be Bonded

Being “bonded” means the contractor has paid for a surety bond. A surety bond would cover the cost of hiring a new contractor if the first one couldn’t finish the job for some reason. Additionally, if the contractor made a huge mistake and the project needs major fixes, the surety bond would ensure you could hire someone else for that.

If your sunroom contractor is not bonded and their business goes bankrupt, or they leave town in the middle of your project, there would be nothing you could do about it without a lawsuit — even if they already took your money! What if they didn’t mix the concrete correctly, and now you have a huge crack in the foundation of your sunroom? If they aren’t bonded, that faulty foundation would be your problem.

Get Easy Financing to Pay for the Best Contractor

It’s true — a licensed, insured, and bonded sunroom contractor will probably charge more than an unqualified one. But getting quick and easy financing through HFS Financial will definitely make it worth going with the safe option. All you have to do is fill out our 60-second application, and one of our experts will contact you soon to help you find your perfect sunroom loan. At HFS Financial, “You Dream It, We Finance It!”

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HFS Financial solely operates in the home improvement lending space which means we can confidently say that we are THE HOME IMPROVEMENT LOAN EXPERTS. When you apply at HFS Financial you will get a customized loan experience tailored to ensuring you get the best personal loan to meet your home improvement loan needs.