Understanding the Risks of Construction Liability

The construction industry takes several precautions to guarantee the safety of the public and its personnel during construction. However, there are several risks and dangers inherent in the construction industry, and it is your responsibility as the project owner to constantly monitor the site and report any concerns to the appropriate authorities so that you may always maintain the workers’ health and safety. Furthermore, the associated costs will be your responsibility to pay in the event of an accident or injury. For this reason, construction firms need to have liability insurance.

 

A Definition of Construction Liability Insurance

“Construction liability insurance” is a broad term for numerous policies that help reduce the risks of building. In the event of property damage, worker injury, or public injury, a builder may rest easy knowing their construction liability insurance policy covers them. However, without this safety net, you will have to pay for unanticipated costs yourself.

Insurance company policies are typically flexible, and you can purchase plans that only cover the necessities. However, cheaper insurance coverage may not protect your business enough in the event of a claim, so keep that in mind. 

Always seek the counsel of an insurance broker, as they will be in the best position to advise you on the type of coverage most suited to your requirements and to negotiate favorable terms on your behalf. Also, before you buy construction liability insurance, you should read the policy information carefully to find out what is covered and what is not.

 

Using an Insured and Reputable Contractor Protects You from Liability Risks

There are always dangers present throughout building projects, even when every precaution is taken. You will not have to worry about covering the costs of a disaster if you have the right insurance. Doing so can keep the project profitable and make clients comfortable hiring you. In addition, you can join the Contractors Association of Minnesota (CAM) to enhance your public image as a contractor further.

The public sees members of a contractor’s association like CAM as reputable. Such firms are dedicated and constantly learning about the latest advancements. They also have better access to legal counsel, making them more likely to have good construction liability insurance. Contact CAM immediately to join and set yourself apart from the competition while getting information that will help your business.

2022-11-11T10:54:49-06:00

Benefits of Becoming a Member of a Contractors Association

If you want to distinguish yourself in the construction industry, joining a contractors association is the way to do it. 

There are several benefits to joining one. For example, you gain access to resources like legal counsel and the latest advances in materials and methods. You can also make connections with other dedicated professionals and more. A few other advantages of becoming a member of a contractors association are listed below.

 

Acknowledgment in One’s Field

Becoming a member of a state construction group like the Contractors Association of Minnesota (CAM) is a fantastic way to establish credibility and trust with clients. In addition, it demonstrates that you are a reliable contributor to the community by employing locals and doing business with them.

Showing others that you are a seasoned professional and not just floating through the neighborhood will reassure potential clients who are hesitant about hiring a contractor or independent construction worker.

In a related manner, membership in a professional construction group is indicative of honest dealings and a commitment to quality workmanship. Therefore, customers are more likely to do business with people who are members.

 

Support System

Competition and high expectations in the construction sector can be daunting. However, organizations can offer members instant access to resources that can help immediately. The association also provides invaluable opportunities for personal and professional growth through interaction with like-minded individuals.

Being part of a group of individuals who share your professional interests can be very helpful, whether you are just starting in Minnesota or searching for a sense of camaraderie in your sector.

There are many kinds of help that trade groups can give. For example, it can enter the political sphere if necessary, advocating before state and federal lawmakers for legislation that might benefit their sector. Also, it makes public service announcements highlighting concerns crucial to the building industry.

 

Staying Informed

Contractors associations are excellent resources for in-depth knowledge of the field. Understanding and adapting to the ever-evolving dynamics of one’s domain is crucial to long-term success.

 

Make the Most of Being a CAM Member

Making the most of your membership requires putting it in the spotlight with prospective clients, taking advantage of learning opportunities, and networking. Set yourself apart by joining CAM today.

2022-10-10T13:22:12-05:00

Asphalt Shingles – The Peak of Roofing

Throughout history, innovators have used a wide variety of materials for home roofing projects. Based on the supplies available, roofs have been covered with everything from grasses used in thatching and split bamboo, tiles made from clay, rock and even metal sheeting. Early in the twentieth century, asphalt shingles were invented, and in the 1920s, they became increasingly popular in a push to eliminate the fire hazard of wood shingles in construction. More than a century later, asphalt shingles continue to be a preferred material for roofing projects. 

Asphalt Shingles are Cost-Effective

According to Home Innovation’s Annual Consumer Practices Report, approximately 80% of roofing projects in the United States use asphalt shingles. Several factors influence asphalt shingling’s popularity as compared to other materials:

  • The starting cost per square foot is about half as much as wood, steel or concrete roofing.
  • The weight of an asphalt roof is considerably less than those of slate, tile or concrete, lessening the need, and therefore the cost, for roof reinforcements
  • Asphalt shingles are relatively easy to install. Some experienced homeowners choose to cut costs even further by installing themselves. However, it is highly recommended that a contractor be used, keeping safety and speed of installation in mind.
  • As with many markets, suppliers generally keep asphalt shingles in stock, ready for the consumer because they are in high demand. In contrast, other materials may need to be selected and ordered well ahead of the actual date of installation.

Asphalt Shingles are Recyclable

Many homeowners may not be aware that asphalt shingles can be recycled. On average, the shingles removed from a modern home can be processed and used to pave about 200 feet of a two-lane highway. Fortunately, there are a few locations in the Minneapolis area that accept shingles for recycling. In your search for a contractor, be sure to communicate your desire to have your roofing materials recycled if possible.

Design Options Galore for Asphalt Shingles. 

Regardless of the style of roof on your home, there is an asphalt shingle that will achieve the look you have in mind. Some architectural shingles are made to mimic cedar shakes, tile or slate roofing. They are available in an assortment of colors and textures, helping to tie all the elements of exterior home design together. 

The Contractors Association of Minnesota is a great resource for finding a roofing contractor or inquiring about any contracting question in the Minneapolis area. Email or give us a call when you’re ready to top off your roofing project.

2022-09-12T10:54:50-05:00

Home Projects That Can Wait for Colder Weather

Thomas Jefferson is credited with saying, “Never put off for tomorrow what you can do today,” but some jobs are okay to delay until fall or winter. Spring and summer can be hectic for many contractors with long warm days and homeowner renovation plans after a long winter. However, for those willing and able to wait, fall and winter may be the time for projects that stretch the dollar a little further. 

The cost of building materials and labor has fluctuated dramatically recently, but costs generally go down between October and March. So, you can start planning now for the upgrades and repairs you want to complete when the chilly weather arrives.

 

Autumn Gold

When the breeze gets that familiar chill, and you can smell the leaves changing colors, we start to think of warm sweaters and snuggling up by the fire. But instead, it’s a great time to complete outdoor tasks that would be miserable in the summer heat.

  • Have a home energy audit completed – you may find you have cracks to seal around windows, doors or vents, or appliances that need replacement.
  • Roof repairs or replacement – after the storms of summer have done their damage and before the cold of winter settles in.
  • Cleaning the gutters – clogged gutters can lead to ice buildup and damage in winter and water damage with the spring runoff.
  • Tree pruning – once the growing season concludes, it’s time to prepare the foliage for the coming spring, and it’s somewhat easier in the fall to see which branches need to go.
  • Replacing windows or doors – with an experienced contractor, the exposure to the outdoors can be minimized, and the energy savings can be remarkable.
  • Landscaping projects – especially if you want to plant bulbs and other perennials to beautify your yard yearly.

 

Old Man Winter

As the cold settles in, we want to spend less time in the cold. However, plenty of projects can keep a house busy all through the winter months.

  • Air Conditioning Systems – upgrading an existing unit may be completed at a discount; be sure it includes a seasonal checkup to make sure it works well in the heat of summer.
  • Basement renovation/completion –most of the work can be completed indoors, so this is a great way for contractors to keep working and may offer a labor cost reduction.
  • Insulate the attic, ducts and foundation – insulation can be added any time of year, but summer heat can be dangerous.
  • Painting – whether you just need a touch-up or want a whole new color scheme. You may even consider painting a cement garage floor.
  • Tree removal – especially old or dying trees. The colder ground may make the removal less upsetting to the surrounding vegetation.
  • Repair or replace cabinetry in bathrooms, kitchens and garages – perhaps even consider a built-in set of cabinets or bookshelves.

As you plan your cold-weather undertakings, the Contractors Association of Minnesota is an excellent source of information and professionals in the Twin Cities area to aid in your home improvement.

 

2022-07-28T10:58:14-05:00

3 Tips to Ease the Stress of a Renovation

Renovating can be a terrific way to freshen up the look of your home, but it can be incredibly stressful without a solid plan in place. The interruptions in your daily routine and critical decisions can feel overwhelming and leave you frustrated. Here are three tips to help ease the stress of a home renovation. 

 

Find an Alternative Living Situation

The construction process during a home renovation can be time-consuming and messy. Depending on the extent of the work being done, you may want to consider an alternative living situation until everything is done. Getting a good night’s sleep in a space away from all the noise and mess can do wonders for easing your stress. 

 

Protect the Rest of Your Home

A home renovation can lead to drywall and debris infiltrating every area of your home. If you are only renovating a section of your home, you may want to section this area off from the rest of the house. Plastic sheeting and painter’s tape can help protect non-construction zones and ease your stress from an extensive clean-up. 

 

Plan Ahead with Home Renovation Purchases

Planning ahead can help you ease many headaches that can happen during a home renovation. Buy all the materials and have the items delivered before the start of the project. Consult with your professional contractor concerning all the building materials you need to prevent construction delays. 

 

Professional Contractors for a Less Stressful Renovation

While you may not be able to as all your stress when renovating your home, choosing the right contractors can save you from many of the headaches associated with construction. The Contractors Association of Minnesota (CAM) can help you find the best professional contractors that can help you reduce the stress of a home renovation. These local contractors have a compelling reputation in the community for delivering high-quality results. Contact us for more information today. 

 

2022-06-16T09:25:47-05:00

When Should You Reach Out to Contractors About Summer Projects?

Summer is the best time to get outside and accomplish those home improvement chores. With ice, snow, and cold weather out of the picture, the season provides ideal circumstances for most renovations, whether inside or outside.

Home Improvement Project Ideas to Tackle This Year

Unsure of where to start? Here are some ideas to inspire and get you going!

Replace Siding

Over time, aged siding develops rot, mold, and mildew, making it challenging to paint. Also, missing or damaged boards diminish your home’s weather protection and lead to increased energy bills.

Replace Old Windows

You do not want to cope with a chilly, drafty dwelling and soaring heating costs when the winter season arrives. Replacing old windows in the summertime ensures you avoid such a situation. In addition, new windows improve your home’s curb appeal.

Reseal Your Asphalt Driveway

You can extend the lifespan of an asphalt driveway by resealing it.

Revive or Add Outdoor Decking

Summer is all about outdoor activities and living spaces, so adding a deck to your home is a fantastic idea. Plus, installing a hardwood deck will dramatically raise the value of your property.

If you already have one, touch it up. Porches and decks suffer significantly during the harsh winter months.

Build a Shed or Convert an Existing One into a Living Space

If you cannot fit your car in the garage, it might be time for a storage shed.

If you already have a shed, but it is not being used, you can convert it into a home office or a guesthouse.

Replace Gutters

Sagging or leaking gutters require replacement to effectively direct water away from your roof and home’s foundation.

As a bonus, you will be pleasantly surprised by how much new gutters improve the appearance of your home.

Replace Your Roof

Delaying a new roof increases the risk of water damage, which exacerbates leaks and mold.

Painting

Painting a house increases its value and curb appeal quickly. Nothing else can make a property presentable in such a short time.

When to Hire a Contractor

Start planning as soon as possible if you want to take on one of these projects this year. A project requires careful preparation, so contractors will not begin immediately.

Therefore, hire a contractor a month or two before you expect to start the project. You should anticipate waiting three months for all-out renovations and half that time for more minor projects.

Choosing a Professional Contractor

The Contractors Association of Minnesota (CAM) is a great place to start your home-improvement-project contractor search.

Choosing a CAM contractor gives you peace of mind knowing other contractors trust them, that they are local, have a longstanding presence in the area and have outstanding company ratings. In addition, using a reputable contractor protects you from liability risks.

2022-05-11T10:41:45-05:00

To Do or Not to Do It Yourself

Spring is often the catalyst of projects for homeowners. Walt Disney said, “If you can dream it, you can do it,” and recent DIY books and online videos make it appear that nearly anyone is capable of any project. However, tackling a job yourself is not always a reasonable or safe choice, and there are several aspects to consider when deciding whether to hire a contractor.

The Haves and Have Nots

Materials needed for home repairs are available in most markets and are generally not the limitation they once were. Instead, it’s important to consider the following:

  • Do you have the tools you’ll need to complete the job properly? Tasks such as painting touch-ups or minor landscaping may require common tools you have on hand. On the other hand, more involved jobs may call for expensive tools that you may never use again.
  • If a mistake is made, have you the means and willingness to fix it? Quality contractors will often warranty their work so that if you experience difficulties, they’ll return to make things right.
  • Do you want the liability if the job is done incorrectly, or will it affect your home’s sell-ability? At some point, your home will likely be inspected. Repairs that are not done to code may need to be removed or re-done to sell.
  • Do you have the time? Many contractors offer free estimates, including the time needed to complete the job. One simple comparison is calculating how long it would take to do it yourself, multiplying that by your hourly wage, and comparing that total to the contractor’s bid.

Prudence Is More Than a Pretty Name

A good deal of home renovation and remodeling tasks are best completed by a professional, and if you’re not sure, it’s wise to err on the side of caution:

  • Tasks that may need a building permit, such as major remodeling projects
  • Projects that run the risk of killing you or destroying your home
  • Any major electrical upgrades
  • HVAC system servicing and updates
  • Tree removal
  • Work with chemicals such as pest control materials and sewer or septic systems

The Contractors Association of Minnesota is an excellent resource in your search for a professional for your upcoming home improvement job.

2022-05-05T09:40:56-05:00

To Do or Not to Do It Yourself

Spring is often the catalyst of projects for homeowners. Walt Disney said, “If you can dream it, you can do it,” and recent DIY books and online videos make it appear that nearly anyone is capable of any project. However, tackling a job yourself is not always a reasonable or safe choice, and there are several aspects to consider when deciding whether to hire a contractor.

The Haves and Have Nots

Materials needed for home repairs are available in most markets and are generally not the limitation they once were. Instead, it’s important to consider the following:

  • Do you have the tools you’ll need to complete the job properly? Tasks such as painting touch-ups or minor landscaping may require common tools you have on hand. On the other hand, more involved jobs may call for expensive tools that you may never use again.
  • If a mistake is made, have you the means and willingness to fix it? Quality contractors will often warranty their work so that if you experience difficulties, they’ll return to make things right.
  • Do you want the liability if the job is done incorrectly, or will it affect your home’s sell-ability? At some point, your home will likely be inspected. Repairs that are not done to code may need to be removed or re-done to sell.
  • Do you have the time? Many contractors offer free estimates, including the time needed to complete the job. One simple comparison is calculating how long it would take to do it yourself, multiplying that by your hourly wage, and comparing that total to the contractor’s bid.

Prudence Is More Than a Pretty Name

A good deal of home renovation and remodeling tasks are best completed by a professional, and if you’re not sure, it’s wise to err on the side of caution:

  • Tasks that may need a building permit, such as major remodeling projects
  • Projects that run the risk of killing you or destroying your home
  • Any major electrical upgrades
  • HVAC system servicing and updates
  • Tree removal
  • Work with chemicals such as pest control materials and sewer or septic systems

The Contractors Association of Minnesota is an excellent resource in your search for a professional for your upcoming home improvement job.

2022-04-13T11:51:33-05:00
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