Insurance Requirements for a Roofing Contractor in Redding

 

Roofing is one of the most important investments for your home. It protects you from the weather, adds to the value of your property, and increases your property value. Naturally, when it gets damaged or worn out, you want to hire the best roofing contractor in Redding! 

But have you ever thought about one of the most vital factors to look out for when hiring a roofer? It’s proper insurance! Without the right insurance, not only your roofer but also you might face many potential risks! 

But are you unaware of the type and requirements of insurance that your roofing contractor might have? This blog has the solution you need! We will go through all the types of roofing insurance that your contractor needs to possess. Let’s break it down for you!

Why is Roofer Insurance a Must-Have?

Roofing is not as easy as it sounds. It is a high-risk job that involves dealing with heavy products and materials, climbing up ladders, etc. Moreover, even the most experienced roofing contractor can face accidents while doing the job. If your roofer does not have insurance, things can get worse quickly. 

You will have the risk of facing potential liability in case of on-site accidents. Why take such chances? It’s better to hire an insured roofer to get peace of mind!

Moreover, in states like California, roofers need to have insurance no matter what, as per the state regulations. Roofers need to have workers’ compensation at the very least to even start working on your roof. This ensures that your roofing contractor in Redding follows all the mandatory state regulations for working on your property.

Last but not least, when you hire an insured roofing contractor in Redding, you can ensure that the quality of the service will be of good standard and all the safety protocols will be strictly followed during the work. 

Besides, think about it: if a company doesn’t have the proper insurance, would you trust it to install a new roof on your home correctly? If your answer is no, consider hiring an insured roofer in Redding!

What Types of Insurance Does Your Roofer Need?

With so many available insurances, how do you know that your roofer has the correct one? We’ll help you sort things out! Let’s go through some of the most common and non-negotiable insurance that you need to look for when hiring a roofer in Redding.

Workers’ Compensation Insurance

Did you know that falls, trips, and slips are one of the major causes of fatal injuries in the construction industry? As per the records of 2023, 39.2% of injuries were related to such falls! 

That’s why it’s important to have workers’ compensation insurance for roofers. It’ll cover their lost wages, medical treatments, rehabilitation needs, etc. In case of severe events resulting in disabilities of the roofer or their death, workers’ compensation will pay for the necessary benefits. 

General Liability Insurance

General Liability insurance will protect not only you but also the company you hired. Suppose your roofer somehow damages the gutters of your house during the repair or installation of a new roof. In such circumstances, it is the roofing contractor’s general liability insurance that can prove to be the lifesaver. 

In short, if they cause any property damage in the process of their work, they’ll cover the cost of fixing it without costing you a single penny.

Commercial Auto Insurance

If your contractor’s car, truck, van, or any other automobile gets into an accident, commercial auto insurance will cover all the damages. It’ll also pay for any medical treatments that the contractor might need after the accident. 

Having personal auto insurance will not be enough as it will not cover any damage related to their work. So, always look out for a roofer in Redding who has commercial auto insurance.

Insurance for Tools and Equipment

When you hire a roofing company to replace the roof of your home, undoubtedly you want them to complete the job quickly. But what happens if they lose their tools, equipment or the tools get damaged while doing the work? Who will be responsible? In such events, having a tool and equipment insurance of the roofer will save the day. 

It reimburses the tools, equipment in case they get stolen or broken. This includes materials like the ladder or the nail gun they’re using for the work. As a result, you’ll be able to relax knowing that your roofer can handle any unexpected setbacks related to the tools and the work will get completed quickly.

Umbrella Insurance

Having a roofing contractor with umbrella insurance is like having extra protection in case of any damage during the project. It’ll save you from the financial burden in case there’s a need for any liability coverage that’s more than the limit of the contractor’s existing insurance policies (like general liability or auto insurance). 

You can think of it as an add-on policy. After all, there’s no harm in ensuring there’s an extra layer of financial security blanket when you call in the pros for the job!

Surety Bond

Surety bonds, although not strictly an insurance policy, can be helpful to you as a customer when you hire a roofing contractor. Also known as contractor bonds, surety bonds will cover your expenses when the roofer fails to finish his job. 

However, for this, you must ensure that the roofer has paid a yearly fee to the insurance company in order to get a bond of a certain amount from the insurance company. 

If the contractor has a surety bond, it means you’ll not have to worry about them completing the job that you have paid for. If things go south, you’ll get the financial compensation you deserve.

Now that you know why it is important to verify if your roofing contractor in Redding has the right insurance or not and what policies to look out for before hiring them, let’s understand how you can make sure they’ve all the necessary insurance.

How Do You Know If Your Roofing Company in Redding Has Appropriate Insurance?

As per NRCA, the roofing industry faced a 53% increase in fatal falls between 2011 and 2022. So, if you don’t want to take any chances and want to make sure that your roofer performs his job safely, you can always get a contractor who is fully insured. Let’s see how you can ensure that!

• Always ask for certificates directly from the roofing contractor’s insurance company when you call them for the job. Ask for their insurance agent to send you an email.
• Do not accept physical copies that the contractor brings to your home, as they can be easily falsified.
• Thoroughly check the policy limits, expiration dates, and the type of coverage that the insurance company provides.

Takeaway

If you want to replace or repair your home’s roof, choose a roofing company in Redding that has insurance like workers’ compensation, general liability insurance, insurance for tools and equipment, umbrella insurance, and surety bond. 

Before you make the decision to hire them, ask them about their insurance and verify it via the insurance company. This way, you’ll be able to confirm that you don’t have any liability in case of any unexpected dangers during their service.

From Start to Finish, Our Roofing Company in Redding at Foam Experts Has Got All Your Roofing Needs Covered!

With 40+ years of experience in serving customers in Redding, CA, we at Foam Experts are the trusted partner to solve all your roofing issues. Do you want the service of spray foam roofing for your commercial, residential, or industrial roofing? 

We provide all of that at an affordable price without compromising on quality. Our roofing contractors in Redding are trained, certified, and bonded to provide you with 100% satisfaction with our work. 

Our roofing contractor in Redding will be at your doorstep in no time when you call us for an emergency roof repair. Reach out to us today at (530) 275-4588 for a free quote!