Does working with an insured roofer really matter? In nearly every area, there are roofing teams driving around neighborhoods looking to make a fast buck on a roofing job. Many times, they are uninsured, which may mean they don’t have a license either. They may offer explanations about how they don’t need to have insurance. They may even provide a quote that is significantly lower than any other company around. It may be tempting to consider, but it’s essential to understand that an uninsured roofer is a huge red flag you shouldn’t ignore.
Keep reading to learn the top three catastrophes you can avoid by choosing only to work with a roofer who has the proper qualifications, including general liability and workers’ compensation insurance.
Catastrophe #1: An Injured Roofer
Roofing is among the top riskiest jobs, so injuries are prevalent. In fact, roofers have the 5th highest work-related death rate in the construction industry. An equipment malfunction, slip on the ladder, or trip on the roof can lead to serious injuries or even death. When the roofing company has insurance, the accident is unfortunate, but there is no risk to you. However, when the roofer is uninsured, you are left vulnerable. The roofer can sue you for medical care costs.
Catastrophe #2: Property Damage
It’s not uncommon for a property to experience some damage during roof installation, repair, or replacement. From bent pipe vents to damaged electrical or HVAC equipment, you won’t have to worry if the roofer has insurance because the insurance will cover any damages or losses. But in the case of an uninsured roofer, you will have to foot the bill for the damages.
Catastrophe #3: Poor Quality Roofing Job
If a roofer does not have insurance, there’s a likelihood he or she may not have the proper license or qualifications either. This means you are putting your roofing project at risk. An unqualified, uninsured roofer may not make sure your roof meets building codes, or you may face extensive repairs or premature replacement down the road because the roofer did not do the job right the first time.
Even worse, you will be fully responsible for all costs because the roofer has no insurance. It’s easy to see how it can cost you far more to hire an uninsured roofer than it would to pay the extra to hire a reliable, qualified, insured roofing company in the first place.
Protect Your Roofing Investment by Hiring an Insured Roofer
Hiring an uninsured roofer is not worth the risk. Whether you need a new roof installation or replacement or even minor repair, it’s crucial to choose a trusted roofing company with the right qualifications.
At Capital Roofing, we are licensed and insured and bring more than 25 years of experience to your residential or commercial roofing project. Connect with us now to learn more about the importance of working with an insured roofer, or to get a free estimate.