Why do you call Malarkey an evil manufacturer?
Because Malarkey says they will investigate a warranty claim and then completely ignores it. Their warranty is a worthless lie. Even their officers lie to the consumer and the contractor. They have no intention of ever taking care of defective material unless sued. I was in shock when their rep said he went by a job, after about two years of complaining, and never picked up the materials from the ground where we left them, after having waited for hours with no call or cancellation. He lied and said the roof was improperly ventilated when the roof was a poster boy for perfect ventilation. Lies upon lies warrant nomination for evil. Theft also places one in that category.
How would liability insurance make anyone a better roofer? Insurance protects the one who purchases it. Mandatory auto insurance never made the roads safer. Envy is the driving force. "I pay insurance to protect myself. I am going to make everyone else get it so they have to pay, too."
Great question. The answer has several layers. The first is that any company that protects its customers from its own actions is providing a superior service. Insurance covers more than disaster while the job is in progress. Completed operations and product liability can keep a customer from having to file on his own insurance or keep him from suing someone later down the line. If drivers had higher ethical standards, then by virtue of having higher standards, they are improved. Maybe the actual skill set is not improved, but an invisible hand makes the consequences of his bad decisions less. Protecting yourself versus not protecting yourself is a virtue and virtue is virtue. A virtuous driver is better than a non-virtuous driver. Homeowners have certain minimum expectations from the businesses they invite onto their property. Even a good contractor may find that circumstances have put him out of business, for example health, and if his customer is protected from failed work, then a superior service has been rendered.
Homeowner's insurance does not cover bad workmanship nor the damage it causes. By virtue of being able to be insured, a homeowner knows his roofer has some stability. Ask any roofer. It is hard to get. To be a certified roofer for GAF, CertainTeed, or Owens Corning, a contractor must be insured. When we put on a roof there are no other drivers. There is only one. The insurance may not make a roofer's nails work better but if he does a repeatedly poor job and gets sued, he won't be able to find insurance. Maybe insurance is just indicative that a roofer possesses superior business qualities, and that, too, is part of the overall performance of a roofer.
Jon Alan Wright
Jon Wright Roofing, Siding, and Windows
1915 Peters Rd., Suite 310
Irving, TX 75061