The roof is one of the most important elements of a home. Not only does it keep you sheltered from the weather but it also secures your family and property. If you are in the process of building your home or maybe need some repairs to be done on your roof, you should hire an insured roofing company. You may wonder why you should hire an insured roofing contractor. Well, below are reasons why roofing companies ought to have insurance.
Importance of Roofers’ Insurance
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The Risk of Property Being Damaged
Roof installation and repair is a hectic task that involves a lot of activities. This includes placement of ladders on walls, hoisting materials on the roof, construction works and much more. As a result, there are a lot of ways in which your property can be damaged. Unfortunately, this is a risk that can’t be avoided. Even some of the top-notch roofing companies do make mistakes that can lead to property damaged in your home. An insured roofing company guarantees that in case your property is damaged during the process you don’t have to remove a single dollar from your pocket.
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The Risk of Injury to The Worker
Just by looking at roofing contractors do their job, you can see how risky this job is. The chances of injuries or death occurring during roofing are high. It is mandatory for a professional roofing company to be insured. Therefore, in case a worker is injured when repairing your roof, his/her relatives won’t sue you and the roofing company for medical costs or lost wages. That is if the roofing company has a worker’s compensation insurance. If if does, employees are assured of coverage when they get injured when doing their job. This coverage also covers lost wages which are a result of the inability to work during injuries.
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The Risk of You the Homeowner or a Family Member Incurring Injury
Roofing works not only pose a risk to harming the roofers but you too as a homeowner or another family member could get injured in the process. For instance, you may happen to be just seated on your living room, and a brick or shingle may accidentally fall on you. These accidents may or may not happen, but by working with an insured roofing company, you can get coverage for the medical expenses. As you read above, it is essential for a roofing company to have roofing insurance coverage. It contributes immensely to protecting the roofing company’s employees, the homeowner and even property on the particular home. Don’t forget to consider the licensing aspect. A professional roofing contractor should be licensed to operate in that area.
Why Should You Hire an Insured and Licensed Roofing Company?
From the above, we have seen the benefits of roofer insurance coverage. However, for you as the homeowner, aside from the coverage of risk of injury and damages, what else do you get from hiring an insured and licensed roofing company? Here are the reasons why you should hire an insured and licensed roofing company:
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They have Sufficient Knowledge
When it comes to roofing installation and repairs, you need to work with people who know what they are doing. For a roofing contractor to be insured and licensed, they must have proven to the licensing board that the company is well trained and knowledgeable on all matters regarding roofing. You can, therefore, expect professional advice from these guys on which material to use and how to go about the entire roofing procedure.
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Compliance to the Codes
Similar to the above, for a roofing contractor to be insured and licensed, they must follow the building and energy codes. These codes are usually incorporated in ensuring proper placement of roofs.
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Must Follow Safety Standards
Are you familiar with how insurance works? Then you can bear witness that for you to be compensated, you must prove to the company that the accident wasn’t a result of negligence. An insured and licensed roofing company must follow all safety standards. This ensures that all tasks are handled smoothly and no one is injured during the process.
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You can Trust an Insured and Licensed Company
A roofing company that is both licensed and insured is trustworthy. This is because such companies have a lot to lose if they are sued by their clients. Unlike backstreet roofing companies, the insured ones will work on your project and give you satisfactory results.
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They are Professionals
When looking for a roofing contractor, you must ensure that they are professionals at what they do. You can determine if they are professionals by taking a look at some of their credentials.
A roofing insurance coverage is a must have for all roofing companies. You never know when accidents may happen and this cover comes in quite handy in compensating for injuries or damages. Always make sure that you hire a licensed and bonded professional roofing contractor, and you will be in good hands.
