Tag: Licensed and Insured Contractors

Upper Restoration is a fully licensed and insured restoration contractor in New York State—protecting property owners on every water, fire, and mold project.

Licensing and insurance are baseline requirements for any contractor performing structural work, hazardous material abatement, or insurance-related restoration in New York. They are also frequently misrepresented in an industry where barriers to entry are low and documentation is easy to fabricate. Property owners who do not verify contractor credentials before project commencement take on significant legal and financial exposure.

Upper Restoration holds all licenses required for New York State restoration operations, including asbestos abatement contractor licensing under NYS Code Rule 56, mold remediation licensing under Article 32, and general contractor licensing for structural work. These licenses require documentation of qualified personnel, proof of insurance, and ongoing compliance with regulatory requirements including worker training and medical surveillance.

Our insurance portfolio includes general liability coverage, workers compensation insurance for all employees, and professional liability coverage. These policies protect property owners from claims arising from property damage, worker injuries, or errors and omissions during the restoration process. A contractor operating without workers compensation, in particular, creates direct liability for the property owner if a worker is injured on site.

Verifying contractor credentials before hiring is straightforward: New York State maintains public databases for contractor licensing, and insurance certificates can be verified directly with the issuing carrier. Upper Restoration provides credential documentation proactively at project initiation and welcomes verification by property owners and their insurance representatives.