Why is this? If an uninsured roofer is less expensive (perhaps it\u2019s your cousin Steve who says he knows a thing or two about roof repair), why not hire them? What\u2019s the worst thing that could happen? <\/p>\n\n\n\n
In this article, the Denver roofing professionals at A-to-Z Roofing & Exteriors are addressing the topic of roofer insurance. When you know more about why<\/em> roofers carry insurance, you\u2019ll never consider working with an uninsured roofer. There\u2019s just too much to risk in doing so.\u00a0<\/p>\n\n\n\n Even the most highly trained roofing technicians with extensive experience can make mistakes. They are, after all, human beings just like the rest of us. What\u2019s more, there can be factors outside of the roofers control that can result in major property damage or personal injury. An example is a rotted tree branch that just happens to fall at the wrong time, injuring a roofer who was doing everything right up to that moment. <\/p>\n\n\n\n The reality is that a lot of things can go wrong on the jobsite. Roofing work is an inherently dangerous occupation. At A-to-Z Roofing, even though we take extensive precautions to reduce the chances of this from happening, no one has total control of all the variables affecting a multi-family roof repair or replacement job. <\/p>\n\n\n\n Here are some of the \u2018worst case scenarios\u2019 that can result if an uninsured roofer is hired: <\/p>\n<\/div>\n<\/div>\n\n\n\n If you think that your homeowners or HOA insurance policies are going to cover property damage or personal injury for an uninsured roofer, think again. In many of these policies, it is expressly stated that general contractors who are not insured will not be covered by the homeowners or HOA policy in question. For Denver roofing companies like us, carrying adequate insurance and meeting all necessary licensing requirements just makes for good business. We want to be sure that our customers are 100% comfortable working with us, and the peace of mind that comes with doing insured work is incredibly valuable.\u00a0<\/p>\n\n\n\n For all of our customers, we\u2019re more than happy to provide documentation of our General Commercial Liability Insurance and licensing paperwork. Just ask! <\/p>\n\n\n\nWhy We Carry Roofing Insurance Coverage<\/h2>\n\n\n\n
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If a roofer isn\u2019t carrying General Commercial Liability Insurance and they are injured while working on your<\/em> property, then guess who is responsible for the medical bills and loss of work compensation? You are.<\/em>
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If this ever happens and the roofer is not insured, here again, you\u2019re going to be liable as the homeowner.
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Without the right insurance coverage, any secondary damage that is caused to your building as a result of poor workmanship is going to need to be repaired at a cost you<\/em> will have to incur, not the roofing company you hired.
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So, the next time you get an offer from a friend or family member to do some roofing work, be sure to ask if they are insured. If they\u2019re not, don\u2019t run the risk of hiring them. Your multi-family property deserves to be worked on by roofing technicians who are protected from the numerous things that can go wrong with any major contracting job. <\/p>\n\n\n\nWe Take Insurance Seriously<\/h2>\n\n\n\n