Imagine you hire a roofer (the cheapest one you could find). While inspecting your roof for damages, he slips and falls and tumbles off of your roof, breaking his collar bone. What a disaster, indeed! But if the roofer isn’t insured, it could also spell disaster for you.
ALL roofing contractors should have liability insurance (as well as workers’ compensation insurance) to protect you as the homeowner in the event of any accident. Liability insurance protects you from damage caused by the roofers during repair or replacement and workers’ compensation insurance protects the homeowner if a roofing company’s employee gets injured.
In the case of an accident, like a roofer falling off of your roof, without proper insurance coverage, you may be responsible for medical bills and other costs associated with the injury. Your homeowners’ insurance may not cover these types of accidents, so you will be personally responsible for the costs.
This is why it’s important that you ask to see their insurance certificate, but do some digging, like researching them on Better Business Bureau’s website to make sure it’s legitimate. Don’t just accept a copy of their insurance certificate. More than 60% of roofing contractors say they carry insurance and don’t, and will provide you either a fraudulent (workers’ compensation or liability) insurance certificate or nothing at all.
If the contractor says he is insured, you should ask the following questions about his coverage:
- Does the roofing contractor’s insurance cover his workers should they become injured?
- Does the roofing contractor’s insurance cover you, your family and any visitors to your home if they are injured on the work site?
We ARE a bonded and insured company, so call Exterior Remodel & Design in Omaha for your next roofing or remodeling project.