While a contractor’s crew is repairing or replacing your roof, accidents can happen that adversely affect your home and its contents, a family member, visitor or roofing company employee. To adequately protect you against responsibility and costs incurred due to your roofer’s negligence, it’s vital that they carry ample insurance.
What Kind of Coverage Should Insured Roofers Have?
A roofer’s negligence can leave you dealing with ruined HVAC equipment, an impact-damaged car, water-logged furniture and personal effects or a home that’s been ravaged by an electrical fire. Even worse, it can leave your family member, visitor or a roofer’s employee with minor or serious bodily injuries. A reliable roofer will carry two types of insurance to protect against such incidents:
- General liability insurance. This covers property damage and amounts awarded in a lawsuit due to injuries to a visitor or family member. It’s a state requirement that roofers register with the Oklahoma Construction Industries Board. As part of their registration, a roofing contractor must show proof that they have at least $500,000 in general liability insurance coverage. This is just a minimum though; well-insured roofers will have $1,000,000 or more in coverage.
- Workers’ compensation insurance. This policy pays benefits to any employees who are injured while working on your property. If your roofer doesn’t have this coverage, you may get sued and end up paying for an employee’s necessary medical care, lost wages or to compensate them for a permanent disability.
How to Make Sure Your Roofer Has Ample Insurance Coverage
For peace of mind, it’s not sufficient to simply ask a roofing contractor you’re considering hiring whether they have insurance coverage. Instead, ask for the name and contact information of their insurers, then call and confirm that there are policies in place and ask for certificates of insurance. When you’re verifying a roofer’s coverage, make sure that:
- They have an actual workers’ compensation policy in place, and aren’t simply “self-insured.”
- Their liability policy extends beyond your expected project completion date.
- Their liability policy includes endorsements that cover reroofing jobs, water damage while the work is underway, and completed jobs for at least a 10-year period. Additionally, ensure that it doesn’t include a “sunset” clause that terminates the coverage if a roofer changes carriers or their business name or goes out of business.
If you’re seeking trustworthy, insured roofers in the Tulsa area, contact us at Perfection Roofing Inc.