You for sure have heard of the important credentials you need to look for in a reliable roofing contractor – licenses, manufacturer certifications and recommendations from previous homeowners via reviews. But one aspect that many homeowners tend to overlook in terms of qualifications is insurance. We explain why this is a nonnegotiable factor when vetting local contractors for your roof repair or replacement project.
The Risk of Hiring an Uninsured Roofer
Most states require roofing contractors to be fully insured; still, a lot of them operate without this important credential. Unfortunately, some contractors may tell you that they are insured when they aren’t. It’s not safe to assume that they have insurance – ask for proof if they tell you they are insured, or if their website mentions the same.
Hiring an unlicensed roofing contractor has its risks, including low-quality installation and zero coverage for any accidents or damage that may happen while the roofing project is underway. Obtaining proof of insurance is a reasonable request on your part during the vetting process. Make sure it is valid; if your prospective roofer doesn’t provide proof right away, you should move on to the next contractor on your shortlist.
Types of Insurance a Qualified Roofer Should Have
Residential roofing companies should carry at least two types of insurance policies: workers’ compensation and general liability insurance.
- Workers’ compensation insurance protects you from being held liable for any work-related injuries to the installers performing the roofing work on your property. The insurance provides coverage for ailing workers’ hospitalization bills and other medical expenses.
- General liability insurance protects you from having to pay for any damage to your property as a result of the contractor’s errors while repairing or replacing your roof.
Working with an insured roofer gives you peace of mind knowing that you won’t have to shoulder additional expenses on the off chance something happens to your home during the roofing process.
Turn to Expert Contracting for your roof replacement or repair needs. We are a fully licensed and insured contractor that provides high-quality residential roofing services to homeowners in and around West Seneca, NY. We are also a GAF Master Elite® roofer, which is a distinction that gives us access to the best roofing products on the market and allows us to offer our customers the best extensive warranties. Call us now at (716) 572-7303, or fill out our contact form for a free, no-obligation consultation.