articles

Home / DeveloperSection / Articles / Roofing And Insurance - What You Need To Know

Roofing And Insurance - What You Need To Know

Roofing And Insurance - What You Need To Know

Jeniffer Winget590 11-Nov-2019

Summary: Roofing is one of the riskiest repair works. As a building owner, you must know how insurance and roofing are interconnected.

Insurance is a requirement for every business or commercial property owner to cover damages in case any accident or damage occurs. Building management firms, government institutions, and big contractors have whole departments to take care of insurance needs, but as a small-time building owner, you need to know what constitutes proper coverage when hiring Marietta roofers.

Job size is not a factor

One of the biggest misconceptions regarding insurance among building owners is that that job size dictates the amount of coverage needed. That is untrue. Whether you hire a contractor for a $5000 roof repair job or a $1 million Atlanta roof replacement, you should look for the same insurance coverage from your contractor.

If you are wondering why it is so, it is because the commercial general liability insurance is designed to cover a contractor’s legal liability against third party body injury and property damage, fire or water damage, or any business interruption. When hiring Marietta roofers, always ask for a certificate of insurance. The certificate should be job-specific that can identify you as additionally insured. The certificate must show the amount of insurance, type of work it covers and what risks it covers.

Know the insurance risks

As with any trade, when you hire Atlanta roof replacement contractors, check whether the company you are hiring can cover the costs in case of an accident or damage. The main risks that roofing work involves is damage due to fire and water.

The water damage is much more severe than fire. Depend on where it goes, water can result in leaks, mold growth, stains, and compromised roof integrity. Remediation in such situations is typically invasive and expensive. This is why you need to discuss with your insurance broker how much liability the insurance will cover in case such damage occurs. You have to do proper diligence to analyze what all risks are involved in the roof repair job. For instance, installing a new roof over a data centre involves a lot more risks than installing new roofs over a newly constructed warehouse. Climate and building location are other factors that affect the risks involved.

Insurance coverage is an indicator of contractor capability

Every licensed roofing contractor must have commercial general liability insurance. General liability covers third party liability in case you cause any property damage or bodily injury to a third party. Major roofing companies in Atlanta understand the requirement of possessing insurance coverage to be able to bid for a contract.

The amount of coverage a roofing company carries is a close indicator of whether it is suitable for your roof repair or replacement needs or not. Big roofing companies carry sufficient insurance to cover any accidents or damages. Before hiring a roofer, sit down with your insurance provider and discuss what limits of insurance coverage are most adequate for your needs.

Good insurance coverage can protect you as a building owner from bearing costs that might incur due to the roofer’s mistake.

Resource Box: Most Marietta roofers have insurance coverage to provide third party liability coverage. When hiring a contractor for Atlanta roof replacement always ask for an insurance certificate.


Much Passionate about writing related to my interest towards Food, Travelling and much more. To fulfill this enthusiasm, love to choose writing as my profession.

Leave Comment

Comments

Liked By