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Why Do Roofing Contractors Need Insurance?

Before forging ahead with the roofing work you need, you must evaluate a roofing contractor and make sure it meets all the important criteria in order to be hired. One of the most important is carrying adequate insurance.

The roof is the element that protects the entire building, therefore you must not take any risks on it. Hiring the wrong contractor can end up in taking way more money than necessary from your pocket to fix things up and pay for the roofer`s negligence.

Any roofing contractor should carry valid workman’s compensation and liability insurance – and these should also be verifiable! These types of insurance are mandatory because they protect you if accidents happen during a roofing project.

There are different accidents that may occur while a roofing contractor does its job. First, no matter how professional and well-trained workers are, mistakes can happen while performing different operations. In this case, professional liability insurance will protect you from having to pay for your roofer`s mistake. Secondly, considering the degree of risk associated with roofing and working at height in general, worker’s compensation insurance will protect you from being required to pay for workers that may get injured on your property (emergency medical services, doctor`s bills, or the worst scenario: funeral costs).

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