When looking for a roofing contractor, several essential factors must be considered before deciding. These factors include the company’s reviews, pricing, and reputation, among many others. Property owners must also ensure the roofer has proper insurance to protect them from mishaps during installation, repairs, or maintenance. The last thing you want is additional charges to cover property damage or injuries incurred during a roofing project.
At Campbell Roofing, we ensure our contractors have at least two types of insurance: worker’s compensation and general liability insurance. Before signing any paperwork with a local contractor, we recommend you check if they have both these insurance. This goes a long way in protecting you from potential risks such as expensive repairs or legal action.
General Insurance Liability
Roofing projects vary, and sometimes property can get damaged. Whether it’s an installation or maintenance project, general liability insurance covers the cost of extra repairs or replacement if something on your property gets damaged. If the contractor doesn’t have this type of coverage, you may be on the hook for front repairs from your pocket. Nothing is more frustrating than paying for someone else’s mistakes, and that’s why it’s essential to check the type of coverage.
Worker’s Compensation Insurance
Roofing projects are potentially hazardous, and accidents happen at any stage. With worker’s compensation insurance, you are protected should the contractor get injured. Hiring a roofing contractor without this type of coverage risks costly medical bills and other associated expenses associated with the injury. The worker or their family could hold you liable, and if things escalate, it can lead to legal action against you or your insurance company.
What it Means to Be “Fully Insured.”
Roofers must carry general liability insurance before being licensed in most parts of the country. However, worker’s compensation insurance is mandated if more employees provide services. Avoid companies that try to pass off their staff as salespeople, canvassers, production supervisors or project managers because they are trying to get around this requirement. Hiring a “fully insured” contractor means they have all the required insurance coverage to provide roofing services. This includes both worker’s compensation and general liability insurance.
How to Tell if a Roofer is Insured?
When you decide to work with a roofing contractor, we recommend asking for insurance certificates and agent information. This is particularly important if it is your first time working with the contractor to ensure you kickstart the project correctly. Do not accept copies or explanations at the door, as they can easily be forged. The only way to be sure the documents presented are legitimate is to get copies from their insurance agent.
In addition, don’t accept estimates via the phone to prevent overage charges during and after the work. Campbell Roofing is a full-insured company that provides written estimates after assessing the magnitude of the job. Contact us today to learn more about a roofer’s insurance or speak to our representatives. Schedule a consultation and get a comprehensive inspection and estimate.