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Who Should Have a Minnesota State Contractors License?

Contractors servicing Minnesota homes and businesses are required by law to obtain a valid contractors' license. Having work done on your home requires a city permit, and without a valid license your contractor will not be able to obtain one. If you have work done by an unlicensed siding contractor, you may end up in serious legal troubles.

Siding Contractors in the Minneapolis area who are interested in becoming licensed should contact the Minnesota Department of Labor and Industry for information on the process and requirements. The basic requirements include meeting education standards, passing an exam, and maintaining professional conduct at all times.

Is Your Minnesota Siding Contractor Covered?

Minnesota contractors must have liability insurance for at least $100,000 per occurrence and at least $10,000 property damage coverage. Siding contractors operating in the Minneapolis area are required to provide records of current, valid insurance before beginning work on any structure. By law, they are also required to provide all quotes in writing, and all contracts in writing, prior to starting any project. Even though the law requires valid insurance records be provided, be wary of small-time contractors who try to cover up the information with technical jargon, or lengthy pages of unnecessary information. Even more dangerous is the contractor who isn't insured at all. Your best bet is to find a siding contractor who carries Commercial Liability Insurance, which provides a high level of coverage.

What Does it Cover? Is it Required?

Most insurance companies will cover accidental damages that can occur to your home during any renovations or construction, including siding installation. Likewise, bodily injuries suffered by any workers are also covered. One thing to keep in mind, though, is that liability insurance is not the same thing as a warranty, or guarantee of the quality of the service provided by your siding contractor. Not all siding contractors are required to carry liability insurance. Hiring such a contractor puts you, the homeowner, at risk. Doing so is not recommended, even if you feel as though you can trust the contractor to fix any problems resulting from the work they perform on your home or business.

OK, I'm Worried Now. How Can I Check Out My Sider?

When you hire a siding contractor, call the insurance company they claim to be insured with. Again, contractors are required by law to provide both the name of the company, as well as the telephone number. When you contact the insurance company, be sure to ask questions as to what kind of siding is covered, as well as the kinds of projects that are covered. Some insurance companies have exceptions to what kinds of work they cover, and what they don't. Minneapolis area siding contractors can verify current licensing information by visiting the Minnesota Department of Labor and Industry. For further peace of mind, it is recommended that you ask for, and verify, references from previous customers. Honest contractors shouldn't have any troubles providing references that can attest to the quality of work they provide. If your siding contractor is unable to do so, you may want to move on to the next contractor.

Of course you could always use this site for FREE. We screen our contractors for license, insurance, and criminal background before we even let them in our program. Click Here for an Estimate.


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