What Types of Insurance Should a Roofing Contractor Carry? Insights from a Roofing and Tuckpointing Contractor in Logan Square, Chicago

The process of hiring a Logan Square roof repair contractor is not always as straightforward as you might think. Most people know they shouldn’t simply accept the lowest bid — but how do you pick the best option among all the residential roofing contractors in your area?

Understanding which roof repair contractors carry insurance is one way to narrow down your options. Given that roofing work is incredibly risky, you should only hire a roofing contractor in Logan Square who carries all the required insurance. When hiring an uninsured roofing contractor, you put yourself at risk of potential liability if an accident were to take place on your property. It’s best to avoid these situations by making sure your chosen roofing contractor has adequate insurance coverage.

Are you looking for more information about the types of insurance your roofing contractor should carry? If so, you’ve come to the right place. This roofing and tuckpointing contractor in Logan Square, Chicago is going to explain everything you’ll need to know below.

What types of insurance policies do roofing contractors need to have?

Every roofing contractor must carry these two primary kinds of insurance:

General liability

General liability insurance covers any property damage or injury to non-workers caused by the roofing contractor.

Take, for instance, the scenario in which a roofing and tuckpointing contractor in Logan Square, Chicago goes up onto your roof to fix a few shingles near the chimney. They accidentally hit the edge of your chimney and broke a few bricks while working on your roof. The delivery driver on your property got injured because of bricks that fell and hit him in the head.

Damages to your property and — more importantly — injuries sustained by the delivery person would be covered by the contractor’s general liability insurance.

Workers’ Compensation

You should avoid giving your business to any roofing companies that do not take every precaution to ensure the safety of their crew. Check the insurance status of every local roofing company before hiring one. In addition, the roof repair contractor you hire must have worker’s compensation insurance to protect not only their crew but also their clients.

Let’s say you hire a particular roofing and tuckpointing contractor in Logan Square, Chicago, and a member of their crew has a serious accident on the job.

Workers’ compensation provides coverage for employees if they become sick or sustain injuries on the job and are unable to return to work.

Consider what might happen if one of the roofing guys suffered a serious injury while working on your roof. If the contractor did not have appropriate insurance, the injured worker (or their family) might try to hold you liable for their injuries.

Final Thoughts

When hiring a roofing and tuckpointing contractor in Logan Square, Chicago, many homeowners do not consider these “what if” scenarios. However, failing to verify a contractor’s insurance coverage could have disastrous results.

Narrow down the list of roof repair contractors in your area by eliminating those that do not have proper insurance coverage. Request to see proof of insurance. Additionally, it is important to inquire about the insurance coverage of any potential subcontractors who may be working on the property.

Looking for the Premier Roofing and Tuckpointing Contractor in Logan Square, Chicago?

Are you looking for the right roofing contractor to work on your home’s roof? If so, and if you’re looking for the premier roofing and tuckpointing contractor in Logan Square, Chicago, look no further than Expert Super Seal Roofing & Tuckpointing. Contact us today at (773) 993-5668 or fill out this contact form to get in touch with our staff.