Does Your Roofer have the Right Insurance?
If you’ve looked around North Texas and Houston, we have a lot of steep roofs. As I drive around, I’m honestly terrified at the lack of safety measures used by some roofing companies. We all hope nothing unfortunate ever happens on any roofing or exterior improvement project. But, if it does, does your roofer have the right insurance coverage it needs to protect you and your investment?
General Liability Insurance
Legitimate roofing companies carry General Liability Insurance to protect themselves against the high costs of many unavoidable liabilities. It covers damages to the property and protects the roofer from accidental damage caused to the homeowner or business owner’s property. It’s also the insurance covering things like a crew member stealing from the home or business where they are working. And, although it covers injuries along the lines of a customer breaking their arm falling off a curb at the roofing company’s office, it does not include a crew member suffering an injury while working on a job site.
Workers’ Compensation Insurance
Workers’ Comp is possibly one of the essential kinds of insurance and, sadly, the type most frequently ignored by local roofing companies looking to save money. Although most states require companies to carry it, Texas does not. It is an optional purchase for private employers. However, many commercial projects need it to even bid on their project.
Workers’ Compensation is the insurance that helps cover costs associated with injuries and illnesses suffered by employees and crew members. And let me share why it is so important. Here is a scenario (that was NOT our company) so you can understand how important hiring a fully insured roofing company is.
A roofing company chose not to cover their employees with Workers’ Compensation, and the customer didn’t verify they had it. A member of the crew slipped and fell off the house and was seriously injured. Since the roofing company did not cover the costs, the injured employee filed a claim against the customer’s homeowner’s insurance. Because the employee did not have personal health insurance, he tried to recoup his medical costs and lost wages through the homeowner’s insurance policy. Even if he wasn’t successful, and the insurance company denied the claim, it was extremely stressful for the customer, and the roofing company’s reputation was severely damaged.
Peak Roofing & Construction’s insurance
For the protection of our customers and crews, we carry General Liability and Worker’s Compensation insurance. It’s crucial for us to know our workers and customers are covered should the unexpected happen. This is in addition to the safety measure we take every day. For instance, we train and follow the Occupational Safety and Health Administration’s (OSHA) Protecting Roofing Workers guidelines. Before hiring a roofing company, make sure they have the coverage level you are comfortable with before they begin working on the roof.
About Peak Roofing & Construction
Peak Roofing & Construction is family-owned, with 30-years of experience. Bonded, insured, and accredited, we provide roofing, gutter, fence, window, and exterior facelift services. Guaranteed. Call (972) 335-7325 in Dallas-Fort Worth (residential & commercial) or 281-290-7325 in Houston (commercial roofing).