Your roof protects you and your home or business from the elements. It’s essential to entrust your roofing needs to a professional roofing contractor who is fully insured to avoid risks and unwanted surprises. Discover why your roofing contractor needs to be insured and how this can provide you with peace of mind during your next residential or commercial roofing project.
Types of Roofing Contractor Insurance
A contractor should possess these two basic insurance coverages.
- General Liability Insurance: This coverage protects you from any potential property damage resulting from the contractor’s work or operations while on your property.
- Workers’ Compensation Insurance: This insurance is crucial for any roofing company as it covers their workers in the event of job-related injuries. Without it, you could be held liable for any accidents that occur.
Benefits of Hiring an Insured Roofing Contractor
Hiring an insured roofing contractor provides several valuable benefits.
- Protection from property damage. With general liability insurance, you can rest assured that any property damage due to the contractor’s work will be covered.
- Protection from injuries to workers and third parties. Workers’ compensation insurance ensures that if a worker is injured during the project, their medical expenses and lost wages are covered without you being held responsible.
- Peace of mind for homeowners and business owners. Hiring an insured contractor gives you confidence that the project will go smoothly. And if any issues do arise, the contractor’s insurance will handle them.
How to Verify a Roofing Contractor’s Insurance Coverage
To ensure the roofing contractor you’re considering is adequately insured, follow these steps:
- Ask for proof of insurance. Request to see copies of their insurance certificates and double-check the expiration dates.
- Contact the insurance company to confirm coverage. You can also reach out to the contractor’s insurance carrier to verify their coverage and ensure it’s in good standing.
- Check for insurance coverage on the contractor’s website. Most reputable contractors will display their insurance coverage information on their websites.
Fields Roof Service, Inc. is a fully insured roofing company in Kent, WA, offering a wide range of commercial and residential roofing services. For your next residential or commercial roofing project in Kent, WA, contact us at (253) 852-4974 or fill out our online form to schedule an appointment.
