When choosing a roofer, you want a company that offers variety and quality along with expert employees who are trained and certified. But a critical aspect you might overlook is whether your roofer has the proper insurance coverage for the job. 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 they’re insured. Uninsured companies pose a high level of risk to you and your family or business and could result in a liability lawsuit if a worker were to get hurt on your property. A roofing company should have a minimum of $2 million in liability coverage that 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 another company that places safety first (such as Heritage Roofing!) as quickly as possible.
Ask if any subcontractors will be working on the job.
If the company plans on using a subcontractor, it’s best to know this at the start. Subcontractors are 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 which subcontractors may be included in your project makes it simpler for you, but it also ensures that, should something go wrong, you know who’s responsible. You should also make sure to ask subcontractors for their insurance and WCB as well.
Don’t forget about fire insurance.
One of the most common insurance claims for commercial roofers is fire damage, so fire insurance is absolutely critical. This is particularly the case if you’re considering a torch-on commercial roof. While popular, particularly in the Peace Region, 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 the case of fire damage or loss.
Since fire insurance can be expensive for roofing companies to maintain, make sure you ask for proof of it at the outset. Without the right insurance, a fire could devastate your business.
The last thing you need to know about roofing insurance:
Insurance can be incredibly complicated. Trusting a reputable company with an extensive local history, like Heritage Roofing, 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!