Importance of Hiring Insured Roofing Contractor for Your Roof
While hiring a roofing contractor, you may find out that numerous roofing companies are available in your area. People mainly contact them to repair or install a new roof which is pretty expensive. But, you need to keep in mind that hiring a reliable roofing contractor who is insured and licensed to handle this type of work is very important. Therefore, you must check their background before taking the final call. But how to be assured because you have no clue about their work quality. A certificate of insurance can be the answer to all your questions and doubts.
Before hiring the roofer, you have to ask them to show their certificate and required documents. Keep in mind that roofing companies need to be insured in the state including Tulsa where your business or house is located. They must have liability insurance and workman’s compensation insurance which will protect both the house owner and the workers if any accident occurs during the work. Make sure to check online reviews about the company to learn about their reputation and whether they have any prior legal claim.
Types of Insurance Every roofer Must Have
1. General Liability Insurance
This type of policy mainly covers third-party risks. For example, if a person gets injured by a dropped tool, it can cover the damage financially. This insurance works best when a customer gets physically injured or you have a leak in your new roof or other advertising injuries.
2. Professional Liability Insurance
If any customer sues the roofing company for a mistake or oversight, then this insurance covers legal costs. It is also known as errors and omissions insurance. It works best if
The roofing contractor failed to finish a project on time.
Accusations of negligence
Undelivered services
3. Worker’s Compensation
Workers’ compensation is another insurance policy that roofing companies must obtain. For instance, if a worker falls from the roof during work, they may hold you responsible for the accident. As a result, you have to pay for emergency room visits, medical expenses and even funeral costs. But if the roofing contractor has insurance coverage, then there is nothing to worry about.
Shield Yourself and Your Roof
When you contact various roofing companies, don’t forget to ask for a copy of the insurance certificate along with the estimate. In general, for liability insurance, you should get a coverage amount between $1 million and $5 million.
Many roofing companies will try to convince you that there is no importance in having insurance and they also offer less price compared to others who are insured. But don’t fall into their trap. If you need professional guidance about roofing work, contact Elliott Roofing in Tulsa, OK.