Unless you work in the construction industry, you may not have any knowledge about residential roofing companies in your area. After all, the average homeowner doesn’t have to replace their roofs often.
If you are in the process of trying to find a roofing contractor for your home, you may be struggling with your choice. You know enough about roofing to know that you shouldn’t just accept the lowest bid, but how do you choose among all the residential roofing companies in your area?
One way to narrow down your options is to research which companies have roofing contractors’ insurance. After all, roofing is dangerous work, and you should only hire a company that has all of the insurance roofing contractors are required to have. Otherwise, you may face potential liability if a negative event occurs on-site with an uninsured contractor.
Also, some states require roofers to be adequately insured. If a roofing company doesn’t follow this requirement, how much should you trust them to install a new roof on your home?
Here’s what you need to know about roofing contractor insurance. Having this knowledge will help you select the right roofer for your job.
Essential Insurance for Roofing Contractors: A Comprehensive Guide
When it comes to roofing contractors, securing the right insurance coverage is crucial. Here are the two primary types of roofing contractors’ insurance that every roofing company should prioritize:
1. General Liability Insurance for Roofing Contractors
General liability insurance is a fundamental safeguard that protects both your business and your clients. It covers instances where roofers may inadvertently damage property or cause injury to non-workers.
For example, imagine a roofer addressing a few shingles near your chimney. During the repair, a worker accidentally damages the chimney, causing bricks to fall and injure a delivery driver on your property.
With general liability insurance for roofing contractors, the coverage extends to property damage and, more importantly, injuries sustained by non-workers.
2. Workers’ Compensation Insurance
Prioritize roofing companies that go the extra mile to ensure the safety of their crews. Check the safety rating of each roofing company and verify that they carry workers’ compensation insurance, a vital aspect of employee and customer protection.
In unfortunate scenarios where a certified roofer experiences a severe injury while on the job, workers’ compensation provides crucial support. Tragically, fatalities can occur in the roofing industry, making it imperative for companies to have this coverage.
Workers’ compensation steps in to cover medical expenses and provide financial support to employees unable to return to work due to job-related illnesses or injuries.
Choosing a contractor with the right roof contractor insurance coverage not only protects your property but also ensures the well-being of the workers. Make an informed decision by prioritizing companies that understand the importance of comprehensive insurance coverage.
Additionally, imagine what would happen to you if a worker becomes severely injured on your property. Unless they were adequately insured, the injured worker, or their family, could try to hold the homeowner responsible.
We know most homeowners don’t consider these “what ifs” when hiring a residential roofing contractor to complete a job. However, not checking on a company’s insurance coverage could have disastrous results.
Narrow down the list of residential roofing contractors near you by only selecting adequately insured companies. Ask to see proof of insurance. Also, ask any subcontractors who might be working on the property for evidence of insurance as well.
AmeriPro Roofing Is The Safe Choice
Unlike some fly-by-night roofing companies that swoop in after storms to get jobs, AmeriPro Roofing is the safe choice for residential roofing companies. We have all the necessary roofing contractors’ insurance in every state we serve. We are also a licensed and bonded roofing contractor.
Ask to see our proof of insurance when we visit your property for a free roofing inspection. Schedule an appointment today.
