Your home’s roof protects your family and belongings from the elements. When it’s time for repairs or a new roof, hiring an insured roofing contractor is crucial for a job well done. In this blog post, we’ll discuss the importance of insurance in the roofing industry and why it’s essential for the contractor you choose to have the right coverage.
Why Insurance Is Essential for Roofing Contractors
Insurance plays a vital role in the roofing industry for several reasons:
- Protection From Accidents and Injuries. Roofing work can be dangerous, with the risk of accidental injury and property damage. If your contractor is insured, you won’t be held financially responsible in the off-chance any of these happen while a team of installers do their job on your home.
- Coverage for Property Damage. If damage occurs to your home during roofing, an insured contractor’s policy will cover repair costs, keeping you from paying out of pocket.
- Ensuring Quality Workmanship and Materials. Insured contractors are more likely to use high-quality asphalt shingle and metal roofing materials and provide great workmanship. Insurance coverage also protects you if any issues arise after the project is completed.
- Liability Coverage for Subcontractors. An insured contractor will also have liability coverage for any subcontractors they hire, giving you further peace of mind.
Types of Insurance Roofing Contractors Have
The following are the types of insurance that professional roofing contractors carry:
- General Liability Insurance. This protects against accidents, injuries and property damage that may occur during the project.
- Workers’ Compensation Insurance – This covers any injuries the contractor’s employees sustained during the job.
- Roofing Contractor’s Bond – This ensures the contractor’s financial responsibility in fulfilling the contract terms.
How to Verify Your Roofing Contractor’s Insurance
To ensure your chosen contractor is properly insured, make sure to:
- Ask for proof of insurance, such as a certificate or policy number.
- Verify coverage with the insurance company by contacting them directly.
- Check for complaints or claims against the contractor through your state’s licensing board or consumer protection agency.
Work With an Insured Roofer!
Neumann Construction provides asphalt roofing and other residential roofing services to homeowners in and around Brainerd, MN. With our highly skilled crews, we provide the highest quality of workmanship and products on every job. More importantly, we are licensed and insured, so you don’t have to concern yourself with liabilities like medical costs when we work on your roof. To learn more, give us a call at (218) 270-0009, or fill out our online form today.