Looking for Roofing Insurance? We Can Help!
Why Is Insurance Important for Roofers?
Whether you’re a shingle roofer, a hot tar roofer or a metal roofer, your work involves many risks. Tools or materials can roll off the roof and damage an expensive vehicle, hurt someone, or a client may sue you for property damage if rain leaks into the house after you complete the project.
Whatever the scenario is, you need protection against legal liabilities whether your contract requires it or not.
A roofer insurance policy can give you the peace of mind and protection you need to focus on finishing your roofing project and finding new clients.
Liability Coverage for Roofers
Installing and repairing roofs in Canada involves more risks than most contractors.
This basic liability coverage protects you against third-party property damage and injuries.
Third-Pary Property Damage
Provides coverage for a roof installation that causes structural damage to the property or unintentional damage caused by falling debris, tools, or materials. It also covers accidents like a fire igniting because of hot tar installations, damaged electrical wiring, or water damage caused by defective roof installations.
Third-Party Bodily Injuries
This coverage protects against injuries to third parties during roof installations or due to defective installations — for example, tools that fall on someone or flying shingles that were left unintentionally loose.
Insurance Cost Depends on Many Factors
Roofing Technique
The roofing style or roof type you install will have a significant impact on your policy price since each roof type comes with its own risks.
Consider, for example, the following roof types:
- Hot built-up roofing (BUR)
- Cold membrane, EDPM, and cold BUR roofing
- Hot mop roofing
- Four-ply hot asphalt
- Two-ply modified bitumen torch down
- All styles of single ply including:
- TPO
- EPDM
- PVC
- Ballasted roofing
- Shingles and metal roofing
Location
Fluctuating temperatures and weather conditions vary from coast to coast. If you’re in BC, Alberta, Ontario, or Nova Scotia weather risks are different and so will your policy cost be.
Other Factors
Other factors considered include the number of years of experience you have as a roofer and past insurance claims you might have made.
Roof Catching Fire
During a four-ply hot asphalt roof work on a commercial building, the roof catches fire and you are unable to contain it. The local fire department is called, but when they arrive, the fire had already spread causing tens of thousands of dollars in damage. The building owner files a lawsuit against you.
Water Damage
A few months after performing a residential shingle roof job you receive a call from the homeowner’s lawyer alleging that the work was defective, resulting in substantial water damage. The homeowner demands up to $100,000 in compensation.
Whatever the circumstances are, being protected with a comprehensive roofing insurance policy is the best option!
Why Get a Roofer Insurance Quote From Us?
Forget about finding a local broker, booking an appointment, and waiting for up to a month before receiving a quote. Getting a roofer insurance quote is a breeze with us. Here are four reasons why:
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