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  When a worker is injuried on your property, someone is going to have to pay for his recovery. If you assume that it will be the contractor, then you better be correct that his insurance is all up to date and in the correct amounts. Because if they are inadequate, then down the list they can go, right to your property.

  When a worker is injuried on your property, someone is going to have to pay for his recovery. If you assume that it will be the contractor, then you better be correct that his insurance is all up to date and in the correct amounts. Because if they are inadequate, then down the list they can go, right to your property.

Many homeowners don’t understand that a good portion of any roofing bid is the guarantee that they are protected from lawsuits. Ever wonder why one roofing bid is so much cheaper than another? Often times it is the insurance factor affecting the difference. If one could just skip the required insurance, such as liability, auto, and workmenscomp, the cost of a new roof would be a whole lot cheaper.

But remember, we have only been talking about the roofers – what happens when the tarp blows off in the middle of the night during the installation and your house gets rained on and damaged? If you think that your personal insurance will step-in just because you chose a roofing contractor without proper insurance, you may be in for a surprise.

The very first thing you need to do once you start the process of looking for a qualified roofing contractor, is to verify their ability to protect their employees and your property from lawsuits. Don’t just ask the question, see all insurance coverages in writing. Only once you have done this, can start asking installation and material questions.