Should My Roofers Be Insured?

The short answer, yes. You should seek roofers that are insured in New Jersey. Your home is one of the most important investments in your life, so you should make sure you a protected when hiring a roofer to work on your roof. One of the best ways to determine you are enlisting the help of a responsible roofing company is by ensuring they are licensed and insured.

When a roofing company is insured, they are covered for any liability issues that can come up during the work. If you have roofers insured in New Jersey, it not only covers the contractor but also protects the homeowner from any blame as well.

What Are the Roofer Insurance Requirements in New Jersey?

In New Jersey, roofers can bid to work on projects without proof of insurance and do not need a state license to work as a roofing contractor. But a bad contractor that is not licensed or insured can result in much more money and grief to the homeowner. You can avoid added costs due to mistakes or legal bills as a result of an accident by opting for roofers that are insured.

What Does Roofer’s Insurance Cover?

There are several benefits to hiring roofers that are insured to work in your home. Proper roofers insurance should be able to cover all involved parties in areas such as:

– Bodily Injury: Bodily accidents to anyone in your home and workers on the site.
– Medical Payments: Medical expenses that occur on site as a result of an injury.
– Property Damage: Coverage for damage to a home’s property.
– Personal Injury: Damage to a person’s or business’s image.

What Is the Risk if You Hired a Roofer that Is Not Insured?

If you hire a roofer that is not insured, you can be held responsible for medical expenses if an injury occurs. When roofers are insured, that clear homeowners of medical cost liability. Their professional liability insurance coverage also protects homeowners from costs that may arise as a result of any mistakes or damage to the home.

How Can I Check if My Roofer Has Insurance?

Requesting official documentation of a roofing company’s insurance is essential. Your roofing company should provide you with not only physical documents but also a list of references so that you can learn more about their company. By checking a roofing company’s references, you can gain a better understanding of the quality of their work and communication skills.

To learn more about roofers insurance, or to learn about Powell’s insured roofers, contact us today.