What to Look for in Your Roofer’s Insurance Coverage

When searching for a roofing contractor to work on your property, there are a lot of factors that you must take into account, including the insurance coverage that they carry. Insurance protects you from losses should there be any damage to your residential or commercial property. Here are the elements to look for in a roofer’s insurance coverage: 

General Business Liability. Commercial general liability insurance is one of the most important things to look for in your roofer’s insurance coverage. This protects your property’s assets and covers the cost of any property damage sustained during the job. It is also a common requirement for any insurance plan, whether you are taking on an initial roof construction or a re-roof.

Property Protection. This can take many forms, so you will want to make sure that it is tailored to your specific requirements. There are re-roofing operations clauses, which normally cover repairs for hail damage, and open roof coverages, which protect your property as a whole during the contract period.

Minimum Coverage. Your roofing contractor’s insurance checklist should clearly state the limits or minimums for coverage. In this way, any misunderstanding between both parties, you as the property owners and the roofers, regarding what is covered and what is not can be easily avoided.

Adding Clients as Additional Insured. There are times when clients, especially large corporate entities, will look for a reliable and long-term relationship with a contractor and request that they be named as additional insured in the insurance policy. Understanding the potential outcome of this move as well as the procedure to swiftly name clients as additional insured is an important part of negotiating a contract, so make sure your roofer has this specific term in their policy.

Turn to Summit Roofing & Restoration, Inc. for all your roofing needs, including roof replacement and storm damage repair. Our goal is to help you lead a more comfortable life at home through expert workmanship and personalized service. Call our certified team at (901) 676-7449 or fill out our contact form to request a quote.