Understanding Roofers' Insurance

Roofing contractors who are insured typically have two types of insurance: liability insurance and workers' compensation.

Liability insurance protects homeowners against damage that the contractor may do to the property but usually will not cover repairing poor workmanship.

Worker’s compensation covers injured workers for lost wages and medical bills despite how the injury happened.

When speaking to contractors, ask to see their insurance certification(s), and follow up on them to ensure the policies are up to date. An insured contractor has the protection to keep your bank account safe, so it pays to double check.

Another important factor to check on is whether or not the contractor is licensed to perform the work in that state. Different states require different licenses.

In most states, if a roofing contractor is not licensed, they will not be able to obtain insurance or become bonded. Not to mention, inspectors can halt work on a roofing project if it's being done by an unlicensed contractor.

Keep reading about roofer's insurance:

• What's the Difference Between Being Bonded, Licensed, and Insured?
• What to Ask Your Insurance Provider Before the Roof Project Begins