Why Choose a Roofer Who’s Insured?

uninsured roofer

There are so many decisions that go into choosing a new roof. One of the most important is researching the insurance and qualifications of your contractor or roofing company. Choosing an experienced, insured roofer protects you from potential financial and legal harm if something goes wrong while they’re working on your property. Risk hiring a McKinney roofing company without the appropriate insurance coverage, and you could be stuck paying for a lot more than your new roof. 

If you need help with roofing in McKinney, TX, there are questions you should ask your contractor before any work is performed on your property. The experts at Shamrock Roofing and Construction have put together a few tips for homeowners to help them understand the importance of choosing a roofer who’s insured for the job. 

Minimum Insurance Requirements

At a bare minimum, a roofing company should carry liability insurance and workers’ compensation insurance. They should also be licensed to do business as a roofer in your area. The license offers assurance that they’re educated in their trade. The insurance prevents you from having to accept liability if an accident occurs. 

A McKinney roofing company that also carries workers’ comp insurance is going a step above. Workers’ comp covers the contractor’s employees while they’re on the job. If they get injured and have to take time off, workers comp kicks in to cover the claim. 

What Happens If Your Roofer Is Uninsured?

As a homeowner, if something happens while your roof is being worked on and your contractor is not adequately insured, you’ll be held liable. Accidents include everything from an employee getting hurt to tools or supplies getting ruined to property damage caused by the mishandling of tools or supplies. You could even have to pay lost wages for an employee who cannot work after getting hurt. No homeowner wants to deal with this, especially after paying for a brand-new roof. 

Protect Your Home and Property

Not all roofing companies are created equal. Some take advantage of the fact that many homeowners are not well-versed in the ins and outs of dealing with contractors. When you hire a roofing contractor – even if they’re just performing a free roof inspection – make sure that every person on their crew is covered under their insurance policy. 

Some roofers try to get around the insurance issue by carrying less expensive insurance naming themselves as a general contractor. This type of policy is less expensive because there’s no mention of roofing services. But statistics show that the roofing profession has one of the highest mortality rates in the construction industry. You could be the one in trouble if there’s an accident in this situation.

Homeowners sometimes try to save money by having a friend, family member, or neighbor who has done similar work come and do a “quick roofing job” for them, but this is a big no-no. It puts you at serious financial and legal risk. 

Ask for Verification before Hiring a Roofer 

Before you choose someone to handle your roofing needs on your McKinney, TX home, ask for proof of insurance. Make sure they can produce a current insurance policy that specifies roofing services and includes the names of everyone who will be on your property. If your contractor or company cannot show evidence or beats around the bush, look for someone else! 

Searching for “Roof Repair Near Me”?

If you’re looking for roofing services in McKinney, TX, Shamrock Roofing and Construction is here to help. We’re fully insured and have all the licenses and documentation required to work on your roof. We’re happy to provide you with the proof you need to feel good about choosing us for the job.

Contact us for more information or to schedule a free roof inspection. With over 40 years in business, we’re the professionals you’ve been looking for!