Should you ask to see a roofers insurance?

an insurance document with a pen

When it comes to hiring a professional roofer, there are many factors to consider. From their experience and reputation to their pricing and timeline, every detail matters. However, one crucial aspect often overlooked by homeowners is the roofer’s insurance. While it may seem trivial, asking to see a roofer’s insurance can save you from potential headaches and financial risks down the line. In this article, we will explore why it is important to inquire about a roofer’s insurance and how it can protect both you and the contractor. From liability coverage to workers’ compensation, we will break down the key insurance policies that a reputable roofer should have in place. So, if you’re planning to hire a roofer for your next project, read on to discover why asking for insurance documentation should be at the top of your checklist.


  1. The importance of roofer’s insurance
  2. Why you should ask to see a roofer’s insurance
  3. Risks of hiring a roofer without insurance
  4. Questions to ask a roofer before hiring
  5. How to verify a roofer’s insurance
  6. What to do if a roofer does not have insurance
  7. Benefits of working with an insured roofer

The importance of roofer’s insurance

When it comes to roofing projects, accidents can happen. Whether it’s a worker slipping and falling or damage caused to your property during the construction process, the risks are real. That’s where a roofer’s insurance comes into play. It provides a safety net for both you and the contractor by offering financial protection in case of unforeseen events.

What is roofers insurance?

Roofers insurance is a specialized type of insurance coverage designed specifically for roofing contractors. It typically includes a combination of general liability insurance, workers’ compensation insurance, and possibly additional policies depending on the specific needs of the roofer. General liability insurance covers any damages or injuries caused by the roofing company while workers’ compensation insurance protects the workers in case they get injured on the job.

Types of insurance coverage for roofers

There are several types of insurance coverage that a reputable roofer should have in place. These include:

  1. General liability insurance: This coverage protects you as the homeowner from any property damage or bodily injury caused by the roofing company. It covers the cost of repairs or medical expenses that may arise from accidents during the roofing project.
  2. Workers’ compensation insurance: This insurance is crucial for protecting the workers involved in the roofing project. It covers their medical expenses and lost wages in case they get injured on the job. Without workers’ compensation insurance, you could potentially be held liable for their injuries, leading to costly legal battles.
  3. Commercial auto insurance: If the roofing company uses vehicles for transportation to and from the job site, they should have commercial auto insurance. This coverage protects against any accidents or damages caused by their vehicles.
  4. Umbrella insurance: This is an additional coverage that provides extra liability protection beyond the limits of the general liability insurance. It is particularly useful for high-risk projects or situations where the potential damages exceed the standard coverage limits.

people looking at paperwork

Why you should ask to see a roofer’s insurance

As a homeowner, it is essential to ask for proof of a roofer’s insurance before hiring them for your project. By doing so, you protect yourself from potential risks and ensure that the contractor is reliable and responsible. Here are a few reasons why asking for insurance documentation should be a top priority:

1. Protection against property damage

Accidents happen, and in the roofing business, they can be costly. Without proper insurance, you could be left footing the bill for any damages caused to your property during the roofing project. By asking to see a roofer’s insurance, you ensure that they have coverage in place to take care of any potential property damage.

2. Financial protection in case of injuries

Roofing can be a dangerous job, and accidents resulting in injuries are not uncommon. If a roofer doesn’t have workers’ compensation insurance and one of their workers gets injured on your property, you could be held liable for their medical expenses and lost wages. By asking for proof of insurance, you protect yourself from potential financial burdens.

3. Peace of mind

Hiring a roofer with insurance gives you peace of mind knowing that they are a responsible and professional contractor. It demonstrates that they value their reputation and take the necessary steps to protect both themselves and their clients. When a roofer has insurance, it shows their commitment to safety and quality workmanship.

a house with scaffolding and roof damage

Risks of hiring a roofer without insurance

Hiring a roofer without insurance can expose you to several risks that could have serious financial and legal consequences. Here are some of the potential risks you may face:

1. Liability for damages

If a roofer without insurance causes damage to your property during the roofing project, you could be left responsible for the repairs. Without insurance coverage, you may have to pay out-of-pocket for any damages caused by the contractor or their workers.

2. Legal complications

In the event of an accident or injury on your property involving a roofer without insurance, you could find yourself facing legal battles and potential lawsuits. Without insurance, there is no financial protection for the injured party, and they may seek compensation from you as the homeowner.

3. Poor workmanship

Roofers without insurance may be more likely to cut corners or provide subpar workmanship. Without the fear of insurance claims and potential repercussions, they may not prioritize quality and safety. This could result in costly repairs down the line and the need to hire another contractor to fix the issues.

a man talking to a roofer and they are both standing in front of a house

Questions to ask before hiring a roofer

To ensure that you hire a reputable roofer with the necessary insurance coverage, it’s important to ask the right questions during the hiring process. Here are some key questions to consider:

  1. Can you provide proof of insurance?
  2. What types of insurance coverage do you have?
  3. What are the coverage limits for each policy?
  4. Are your workers covered by workers’ compensation insurance?
  5. Do you have any additional policies in place?
  6. How long have you had insurance coverage?
  7. Have you ever had any insurance claims filed against you?

By asking these questions, you can gather the necessary information to make an informed decision and ensure that the roofer you hire is adequately insured.

How to verify a roofer’s insurance

To ensure that the roofer’s insurance documentation is valid and up to date, there are a few steps you can take to verify their coverage:

  1. Request proof of insurance: Ask the roofer to provide you with a copy of their insurance certificates. This should include details of the policies they have in place.
  2. Contact the insurance provider: Reach out to the insurance company listed on the certificates to verify the coverage. They will be able to confirm if the policies are active and valid.
  3. Check for additional insured status: If you are hiring a roofer for a larger project or working with a general contractor, you may want to request to be added as an additional insured on their insurance policies. This provides an extra layer of protection for you as the homeowner.

By taking these steps, you can ensure that the roofer’s insurance coverage is legitimate and provides the necessary protection for your project.

What to do if a roofer doesn’t have insurance

If you come across a roofer who doesn’t have insurance, it’s best to steer clear and find another contractor. Hiring a roofer without insurance is not worth the potential risks and financial burdens you may face. Look for contractors who prioritize safety, professionalism, and reliability by having the necessary insurance coverage in place.

Benefits of working with an insured roofer

Choosing to work with an insured roofer offers several benefits that can give you peace of mind throughout your roofing project. Some of the advantages include:

  1. Financial protection: With an insured roofer, you are protected from potential financial burdens resulting from property damage or injuries. Their insurance coverage ensures that any necessary repairs or medical expenses are taken care of.
  2. Professionalism and reliability: Insured roofers demonstrate their commitment to their profession and clients by prioritizing safety and quality workmanship. Their insurance coverage is a testament to their professionalism and reliability.
  3. Reduced liability: By hiring an insured roofer, you reduce your liability as the homeowner. In case of accidents or injuries, the insurance coverage provides a safety net, protecting you from potential legal battles and financial hardships.
  4. Peace of mind: Working with an insured roofer gives you peace of mind knowing that you have chosen a responsible and reputable contractor. You can focus on your roofing project without worrying about potential risks and complications.


Asking to see a roofer’s insurance is a critical step in the hiring process, offering protection and peace of mind for both you and the roofer. By ensuring that the roofer has the necessary insurance, you safeguard yourself from potential financial risks, legal complications, and poor workmanship. So before you hire a roofer for your next project, ask for insurance documentation. It’s a small step that can make a big difference in the success and safety of your roofing project.

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