Are you in the process of researching roofing companies? Before you choose a roofer, it’s important to do your due diligence and make sure the roofing company you choose is fully insured. Both big and small roofing projects always present a degree of risk and taking steps to protect yourself and your home is key. Here are the three major factors for why hiring an insured roofer is so critically important:
Risk of roofer accident
It’s important to remember that no roofer is perfect, and mistakes happen on the job – even with the most experienced roofers! Because roofers must work on ladders, handle heavy materials and engage in risky construction-related projects, they are at a higher risk for personal injury. If a roofer gets hurt on your property, an insured roofing company will provide coverage for injuries related to the job. This protects you, as the property owner, from having to resort to your home insurance in the event a roofer gets hurt working on your roof.
Risk of homeowner or family member getting injured
In addition to the risk of a roofer getting hurt, roofing projects can also put homeowners and their family members at risk to a certain extent. For instance, a homeowner may step outside their home during a roof replacement and get struck by a shingle or other type of dangerous material falling to the ground. Using a roofing company with liability insurance that covers this type of situation will ensure you won’t be responsible for covering the medical bills should an unforeseen injury occur.
Risk of accidental home damage
With any roofing project – from small repairs to full roofing replacements – there is always a risk of damage to your home. Between equipment and heavy materials used by roofers, your home can experience minor or major damage if a mishap or accident occurs during the project. If any form of damage to your home happens on the job, your roofer’s insurance will cover the cost of property damage.