Insuring Your Home While Roofing It
There are plenty of benefits to renovating your roofing — you can increase its value, make it more energy efficient and design it to fit your specific wants and needs. And whether you’re a seasoned do-it-yourselfer or prefer to hire professionals for the job, you need the right insurance coverage to protect your home during and after its completion.
Roofing Insurance Policy Information
Roofing contractors install, repair, and re-roof residential and commercial structures. Installation of siding, gutters, or insulating material, or minor incidental repair of chimneys may be a part of the operation. Roofs may be flat or pitched, with the roof covering made of asphalt shingles, clay tiles, gravel, metal, slate or stone, sod, solar panels, thatch, or wood shingles. Typically, a roof consists of a decking, often made of wood or metal, on top of which the covering is installed.
Flat roofs may be “built up” from several layers of asphalt-laminated felt covered by asphalt and gravel. Hot tar or other adhesive may be used to join the roof covering to the decking. “Flashing” made of sheet metal is installed at corners and joints or around chimneys. Regardless of the covering, the roof should resist algae, hail, and wind damage, support the weight of ice and snow in colder climates and be watertight.
As a roofer or roofing contractor, you face numerous risks each day. Just one accident on a ladder or atop the roof of a client can lead to devastating injuries that might even cause you to lose your income. Roofing is a dangerous occupation. Around 29.9 deaths are reported per 100,000 full-time roofers, making it the fifth most dangerous construction jobs and two times the average rate of accidental death from all construction-related occupations. Around 50 roofers are fatally injured each year, mostly from fall-related injuries.
In addition, you are at risk of damaging clients’ property or damaging your own equipment while you work on the job site. Further, if you have employees or hire subcontractors, you may find yourself facing liability due to their actions.
Home Town Roofing insurance protects your business from lawsuits with rates as low as $197/mo. Get a fast quote and your certificate of insurance now.
Insurance for roofing contractors comes in several different iterations. The coverage that you need specifically depends on your California roofing insurance business and whether or not you have employees or subcontractors working for you, either part-time or all year long. In colder areas of the country, roofers may only work a partial period of the year, devoting the colder periods of the year to other types of work.
Make sure your contractor is insured as a roofing contractor!
As you are aware, the cost of purchasing liability insurance has more than doubled in the last year. The construction industry, including roofing Contractors, have been hard hit by this development. Many contractors have not been able to secure adequate liability insurance at any cost, so some of them are “going bare”, i.e., operating with no insurance at all.
At Home Town Roofing, we have been able to keep our insurance program in full effect.
Our Certificate of Insurance is available at any time for your review.
You should insist that any contractor you do business with, provide you with the evidence of insurance. This will cover you against damage to your own person and property, as well as claims by others against you, which could result from the work of the contractor. You do not want to be exposed to risk of loss because of the contractors activities. Insist that the contractor produce satisfactory evidence of proper insurance coverage. Our insurance policy is with National Builders Insurance for operation as a Roofing Contractor. Admiral is best rated A++ (superior).
See our certificate below