If you’re looking for new roof maintenance and installation contractors, it is good advice to always check if they’re insured. Here’s why.
The Types of Insurance Your Roofer Should Have
The actual insurance coverage varies between providers; however, there are two important types of insurance every roofer should have:
General liability insurance – General liability insurance covers accidental property damage during roof installation. Without this, you might end up paying for repairs and restoration out of your own pocket. It may involve hiring another contractor if your roofer doesn’t have the resources to perform the repairs themselves.
Workers’ compensation – Workers’ comp provides coverage if one or more of the workers become sick or injured and are unable to return to work. Sometimes, coverage may overlap with general liability insurance depending on the nature of the sickness or injury.
Some insurance providers may include coverage for accidental damage to vehicles, tools and equipment. In addition to insurance, ask your roofing contractors if they are bonded, which is basically your assurance of the project’s completion.
Why Do You Need Roofing Insurance?
There are several reasons why you need insurance for your roofing project – or for any type of renovation or remodeling work, for that matter – chief among these is because you’ll be taking a major risk if you don’t. While even the most reputable roofers like us are trained to avoid damage to their clients’ property, the nature of the work still carries the risk of either damage to property or injury. If your project is tightly budgeted, you will not want unexpected expenses, such as unplanned repairs.
Prospective roofing contractors should have no problems providing a copy of their insurance certificate, which should clearly indicate coverage for both general liability and workers’ comp, among other things. You should also verify this information with the insurance provider stated on the certificate. This should only take a few minutes of your time, but verifying its legitimacy can go a long way in giving you peace of mind.
Roof Masters is your leading provider of roof repair and installation services. Give us a call at (301) 230-7663. You can also fill out our contact form to schedule an appointment. We serve customers in Montgomery County, MD, and the surrounding areas.