Any roof-related activities, particularly roof installation, are often a high-risk and complicated job. When you’re searching for a roofer to work with, there are a few things you need to find out know about them, all of which determine whether or not your investment will be deemed a success. Apart from being licensed and certified, be sure to ask if the contractor is insured before signing on the dotted line.
Why Your Roofer Should Have Workers’ Compensation
A government-mandated system, workers’ compensation, also called workers’ comp, is a form of insurance that provides monetary benefits to employees who became injured or disabled in the course of employment. This includes wage replacement and medical fees.
Why should a workers’ compensation insurance be valid for the contractor to offer services to you? If a roofer falls from your roof or has any other type of accident while working on your house, they could try to hold you responsible for the injury since the accident occurred on your property. This includes paying for hospital bills or even funeral costs if a death should occur from the accident. If the roofing contractor has valid workers’ compensation insurance, you, the homeowner, will be protected by that coverage.
Why Your Roofer Should Have Liability Insurance
If a roofer commits a mistake and an accident ensues while working on your roof, their liability insurance coverage will protect you from having to pay for the consequences. For example, the roofer swings a hammer to repair shingles and accidentally hits the edge of the chimney, causing a few bricks to fall off. If the roofing contractor did not have liability insurance, you might find yourself shelling out a few hundreds, if not thousands, of dollars to replace a few shingles as well as repair the bricks on the chimney.
Masters Roofing is a premier source of home improvement solutions, including roof replacement and storm damage roof repair, in and around Memphis, TN. Our factory-certified and insured team is committed to providing the comfort and efficiency you deserve through industry-leading products and excellent customer service. Call us today at (901) 871-7663 or fill out our contact form to schedule a free, no-obligation appointment.