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How do I know if a roofing company has proper insurance?

All insurance certificates are not created equally! It is the investor’s responsibility to make sure that the contractor they hire is adequately covered for the work to be performed.

  • Make sure that the company you are contracting with has insurance for both General Liability and Workers Compensation.
  • Any sub-contractor on your job is also insured with General Liability and Workers Compensation.

  1. Many insurance companies have stopped insuring roofing companies for General Liability Insurance for any application other than replacement of asphalt shingles.
  2. Exclusions can include new construction, town homes or condos, materials other than asphalt shingles such as modified roofing materials, rubber roofing systems, tile, stone coated steel, sheet metal work, etc….
  3. Make sure that the company completing the work is insured for all facets of your project.
  4. It is our recommendation that the investor ask for copies of the insurance certificates from the company, ask if the job will be sub-contracted, then ask for a copy of the insurance certificates for all sub-contractors who will be on site.

  • Be sure that all workers are covered for your project with General Liability and Workers Compensation.
  1. You may wish to call the insurance agency on the certificate for a complete list of any exclusion to the contractor’s policies.
  2. Some sub-contractors are hired without proper Worker’s Compensation on their crews, and often no General Liability Insurance.

It may seem like more work, but in the event of a claim, it would be time well spent. If a contractor is not paying for proper insurance, how can/will they cover damages? You as the home owner could be held responsible. We at Rocky Mountain Roof Doctors provide a copy of our insurance certificates at the time of estimate. We will be happy to provide the name and number of our insurance agencies so that this information can be verified.