Always do your research before hiring a roofer. Make sure that they have valid insurance and know what is included in their policy. It will protect you and your home or business in case an accident happens during the project.
Find out what to look for in a roofer’s insurance policy from one of your most trusted roofing and decking contractors.
It comes in many forms. Some have a specific re-roofing operations clause, which includes coverage for the roof repair instead of the original roof construction. There’s also roof coverage that provides coverage for the property as a whole during a contracted job. Either way, your contractor’s insurance policy should be fit for your project.
General Business Liability
The liability insurance of home exterior contractors protects homeowners from paying for roofing-related accidents and mistakes that may occur during the project. For example, a roofer is meant to repair a small area of your roof, however, his hammer accidentally hits the skylight. You can end up spending more for a broken skylight if your contractor doesn’t have liability insurance.
A worker’s compensation insurance will cover for hospital bills and emergency visits of any worker who gets injured while working on the roof. An injured worker of their family could attempt to hold you responsible for the incident since it happened in your home. You’ll be protected from this if your contractor has valid worker’s compensation insurance.
Well-Stated Limit and Minimums for Coverage
You can find an insurance checklist in most corporate entities, which states required minimum coverage. Know the industry standard amount or limits of liability for your project. Being honest about insurance coverage is a sign of good business practice and excellent customer service.
You can count on Midtown Home Improvements for all your home improvement needs. Aside from roofing, we also specialize in bathroom and kitchen renovations. Call us at (816) 282-6440 or fill out our online form to get a free estimate. We serve homeowners in Lee’s Summit, MO.