Q: Do I need to hire an insured roofing contractor?
A: A responsible roofing contractor will carry two types of insurance. 1. Worker’s compensation insurance. This is to pay the medical bills should a crew member become injured while on the job, or to provide an income if they are unable to work. 2. Liability insurance. This is to cover injuries to bystanders or damages to property while the roof is being installed. For example, if a roof is half installed when a rain storm swoops in and the roof is not properly protected, resulting in water getting into the home, liability insurance ensures that the damaged property will be replaced. It’s not a good idea to hire a roofing contractor without both.