Many homeowners know they can file an insurance claim for various types of damage to their roof. You invest in home insurance to protect your property, yet some homeowners fail to verify whether the roofing company they’ve chosen to make repairs has its own insurance.
Does Your Roofer Have Insurance?
Here’s a situation that can happen if you don’t hire the right Midcoast Maine roofer for the work you need to be completed. Let’s consider the worst-case scenario; while repairing your roof, an employee falls and suffers significant injuries. Most homeowners expect their roofing company to have the proper insurance to pay for the employee’s injuries. But if that roofing company doesn’t have complete insurance protection, the employee may file a claim against your homeowners insurance for their losses.
It’s simple to avoid this. Always request information about the roofing company’s insurance coverage before working with them. Ask the company if they carry insurance, who their insurance company is, and whether they will allow you to verify it. Ensure the company carries full liability insurance and workers’ compensation coverage. Without this, you could be liable for the losses their employees suffer. The price roofing companies pay for insurance to cover these risks is very much worthwhile since a single incident can be exceptionally expensive.
Remember, roofing insurance quotes and certificates are not enough to prove that the company has adequate coverage. Once they obtain those certificates, they can easily cancel the policy. To avoid this, ask for their agent’s information and contact the agent to verify their coverage.
Choosing the Right Roofing Company Is Essential
Doing your due diligence in requesting proof of insurance can give you peace of mind. Also, verify that the company offers a workmanship warranty alongside a product warranty for the work they do. Verify they have a business location for roofing and insurance coverage that extends at least through the time that they will be working on your home.
What You Can Expect from Horch Roofing
Horch Roofing is committed to providing you with exceptional workmanship and reliable customer service. When you request roofing insurance claim quotes from us, we’re happy to work with your insurer. We are also happy to provide you with any information you need about our own coverage. Being committed to providing you with exceptional service starts with a safe work environment and financial protection from risks. Contact us for a free quote today.