Hiring a licensed and insured roofer is important to protect your home and family. For a roofing company to obtain a license in New Jersey and New York, they prove their expertise by passing practical and written exams. A licensed roofer demonstrates best practices for roof installation, repairs, and permitting rules. This means the work will be done right the first time.
Insurance
Hiring a contractor that is fully insured protects your home and family from lawsuits arising out of contractor actions. Moreover, it also prevents you from suffering financial hardship should the contractor damage your property or cause injury to you or others. Big and small roofing projects always present a degree of risk, which is why an insured roofer is critically important.
Risk of Roofer Accident
Roofing companies’ insurance prevents the homeowner from using their home insurance in the event a roofer gets hurt working on their roof. Even the most experienced roofers can have an accident on the job. All roofers work on ladders, handle heavy materials, and engage in risky construction-related projects. These are high risk for personal injury. When a roofer gets injured on your property, an insured Deegan Roofing Company will provide coverage for job-related injuries. Workers’ compensation is an insurance providing wage replacement and medical benefits to an employee injured during employment. In exchange for mandatory relinquishment of the employee’s right to sue. For the tort of negligence to the employer, the employee receives workers’ compensation.
Risk of Homeowner Injury
Liability insurance covers a homeowner from medical bills incurred from injury or accident related to the roofing project. Liability coverage pays for both property damage the roofer caused to another’s property, as well as any bodily injury caused to others as a result of the accident. The following expenses are among the types of damages that may be considered include hospital bills, medical bills, and lost wages.
Risk of Property Damage
Whatever the scope of the roofing project, there is always a risk for property damage to your home. Moreover, between equipment, tools, and heavy materials used by roofers can cause minor or major damage. If an accident occurs to the roofer, it can also cause property damage. Additionally, the roofer’s insurance will cover the cost of property damage. Power tools and other equipment used for the job can present a fire risk. This insurance can help you avoid catastrophic costs including the risk of losing your business because of an accident caused by you or an employee.
Liability insurance covers products and completed operations.
As a roofer, you pride yourself on a job well done and rely on recommendations from past customers to get new jobs. However, even when your employees do their best, things can go wrong. For example, shingles can be found to be defective after the job is done. The roofer who did the installation is liable to compensate the customer. With Deegan Roofing Company general liability insurance, they can rest assured that demands for compensation or a lawsuit will be covered. In contrast, that could mean the difference between a profit and loss for the year.
Personal and Advertising Injury
In reality, many small businesses don’t always think about the potential for libel, copyright misuse, or other issues that could lead to a lawsuit from advertising errors. Fortunately, roofer general liability insurance covers your legal defense if your advertising slanders or libels a competitor or causes other problems that result in a lawsuit and court settlement.
Damage to Premises Rented to You
Accidents can happen away from the worksite, too. If the business rental office sustains damage to the premises, then the liability insurance kicks in. For instance, if a small electrical fire starts in a roofer’s rented office space, roofing contractor general liability insurance can cover out-of-pocket expenses to repair the damages.
Commercial Auto Insurance
Commercial auto insurance covers specialized cars or trucks for specific jobs, whereas business auto insurance covers automobiles used for ordinary traffic travels place to place.
What’s Not Covered Under Roofer General Liability Insurance
Ultimately, no insurance policy covers everything. Most roofer general liability insurance policies do not cover the following:
- Intentional injuries or property damage
- Injuries to employees
- Tools and equipment
Importance of Hiring a Licensed and Insured Roofer
Contact us
Do your due diligence in selecting a roofing company that is licensed and fully insured. Family-owned and operated, Deegan Roofing Company has been installing and servicing residential and commercial roofing customers in the New Jersey area for over 30 years. If you are concerned about your roof surviving the upcoming winter weather or are currently experiencing roofing problems, it’s never too late to contact Deegan Roofing Company to get your roof inspected before winter. We service Union, Middlesex, Somerset, and Ocean Counties. Address: 345 Terrill Rd, Scotch Plains, NJ 07076 https://www.deeganroofing.com/
Phone: (908) 322-6405 Hours: Open 8:30 AM ⋅ Closes 5:30 PM