When you’re doing your due diligence and research the right roofing company for your job, make sure you make the roofer’s insurance a part of your questioning. Hiring a company with inadequate insurance could make the difference between a positive experience and a disaster.
They need to be affordable and fit your budget. Be sure to question the background of the roofing contractor you’re hiring by asking about their credentials. Make sure they have current licenses. Research their experience and make sure you get references from past customers. And don’t forget to check their standing with the Better Business Bureau. It is equally vital to make sure they carry adequate general liability and workman’s compensation insurance before you hire them.
General liability insurance covers the roofing contractor if there’s a claim that includes property damage, bodily injury or harm, and any personal injury that happens as a result of some action by the roofer. If an accident or something happens on the project that causes a lawsuit, the insurance would be available to cover the roofing company, and you as the homeowner or business owner, if a claim needs to be paid. As the owner that hired the roofing company, you don’t want to be involved in a lawsuit and paying for something that wasn’t your fault just because you own the property. This is important for you as the owner because you don’t want to be responsible for something happening on your property that is not your fault.
Workman’s Comp insurance compensates with money and medical benefits if any employee or subcontractor of the company you hire is injured while performing their duties on your project. If the roofer you hire, or any of their workers, were to get injured, they would file a claim for workman’s comp to replace their wages instead of suing the roofer or you, the homeowner or business owner.
When you’re hiring any type of contractor, to fix or replace your roof or any other type of service, its critical that they have adequate amounts of both these types of insurance.