Roofing Insurance: What You Need To Know Before Hiring A Roofer

January 3, 2020

Choosing a roofer to fix an old roof or install a new one is about more than just the variety or quality of products they have. Beyond ensuring your roofers are trained and certified, you also need to make sure they have the proper insurance coverage. 

Here’s what you need to know before you shop around to find a roofer for your home or business: 

Ask to see an insurance certificate.

The roofing company should be able to prove that they’re insured. Uninsured companies pose a high level of risk to you and your family or business. Hiring a roofing company that lacks the proper insurance could result in a liability lawsuit if a worker were to get hurt on your property. 

A roofing company should have liability insurance, and it’s recommended that they have a minimum of $2 million. Liability coverage protects homeowners from having to pay for damages.

Ask for the roofing company’s Workers’ Compensation Board (WCB) number. 

Just like ensuring the company has the proper insurance certificates, asking for the company’s WCB number ensures they have this coverage. In Alberta, it’s against the law to perform roofing without WCB – if they can’t produce this number, we’d recommend you move on to the next company, quickly. 

Ask if any subcontractors will be working on the job.

If the company plans on hiring or using a subcontractor, it’s best to know this before the job begins. Subcontractors can be common in the roofing industry, but when another company is handling the bulk of the work, get reassurance on who is responsible for what. 

Knowing what subcontractors may be included in your project make it simpler for you, but it also ensures that, should something go awry, you know who’s responsible. That being said, if your roofing company is planning on subcontracting work, make sure to ask for their insurance and WCB as well. 

Don’t forget about fire insurance.

One of the most common insurance claims for commercial roofers is actually for fire damage. When hiring a commercial roofer, make sure they’re covered in case of fire losses. This is vital if you’re considering a torch-on commercial roof

Torch-on roofing is popular – especially in the Grande Prairie region – as it creates a waterproof seal that tolerates extreme highs and lows. As its name implies, torch-on roofs require a hot application, which increases the risk of a fire. Without proper roofing insurance for this type of work, companies could end up paying for huge losses in case of fire damage or building loss. 

Since fire insurance can be expensive for roofing companies to maintain, make sure you ask for proof of fire insurance. Without the right insurance, a fire could devastate your business. 

The last thing you need to know about roofing insurance:

The last thing you need to know? Insurance can be incredibly complicated. Trusting a reputable company with extensive local history is a good way to prevent any insurance-related complications with a roofing project. Always ask for proof of insurance and be wary of a low quote – it might mean they’re not certified to do the work. 

Have questions about roofer’s insurance? Give our team a call or send us an email, and we’d be more than happy to help! 

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