As a homeowner looking to hire a roofing contractor in Dayton, Ohio, one of the most important factors to consider is whether the contractor has the proper insurance. Not only does this offer protection for the contractor, but it also protects you as a homeowner. In this post, we’ll discuss why roofing contractor insurance is essential and what you should look for to ensure that the company you’re hiring is fully covered.
Why Roofing Contractor Insurance is Important
When hiring a roofing contractor, you want peace of mind knowing that the job will be done correctly and safely. Roofing can be a risky job, and accidents can happen, even with the most experienced contractors. That’s why roofing contractors should carry two types of insurance:
Liability Insurance
Liability insurance covers the contractor if anything goes wrong during the job. If the contractor accidentally damages your property, this insurance will cover the costs of repairs or replacements. Without it, you might be held liable for damages, which could be a significant financial burden.
Workers’ Compensation Insurance
Workers’ compensation is another vital form of insurance that covers injuries sustained by workers while on the job. Accidents happen, and if a worker is injured while working on your property, workers’ compensation ensures that their medical bills and any lost wages are covered. In the state of Ohio, workers’ compensation is a legal requirement for contractors, and you should always ask to see a copy of their workers’ comp certification to ensure that they’re fully covered.
What Happens If Your Contractor Doesn’t Have Insurance?
If your roofing contractor doesn’t have liability or workers’ compensation insurance, you could be at risk. In the event of property damage or an injury on your property, you may be held financially responsible. Not only that, but a contractor without insurance may not have the resources to cover the costs, leaving you in a difficult position.
It’s crucial to verify that any contractor you hire has both types of insurance. At D & Roofing, we always provide proof of our insurance coverage along with our quotes so you can feel confident that you’re making the right choice.
How to Verify a Roofing Contractor’s Insurance
Here are a few simple steps you can take to verify that your roofer has the proper insurance:
- Ask for a copy of their insurance certificates
A legitimate roofing contractor should be able to provide proof of their liability insurance and workers’ compensation coverage. - Check the coverage details
Ensure that the insurance is current and covers the type of work being performed. For example, a contractor working on a roof should have sufficient liability coverage for roof work. - Contact the insurance provider
If you’re unsure, you can contact the insurance provider directly to verify that the contractor is covered and that the policy is active. - Don’t settle for less
It’s better to be safe than sorry. If a contractor hesitates to provide proof of insurance, consider it a red flag and look for a more reputable company.
Conclusion
As a homeowner in Dayton, Ohio, it’s essential to protect yourself when hiring a roofing contractor. Ensuring that your contractor has the proper liability and workers’ compensation insurance is one of the best ways to safeguard your property and avoid unnecessary financial risk. Always ask to see proof of insurance before hiring a contractor, and don’t hesitate to do your research.
If you need more information or assistance in finding a trusted, insured roofing contractor, feel free to read through our site or contact us today.