Factors Influencing Roof Replacment

Roof replacement is something that will probably happen many years after the construction of your home. However, this it can still become necessary even on relatively new houses due to natural calamities, need to upgrade to a better or poor workmanship on the roof. When this happens you will need the roofing contractors to finish the job as fast as possible. The fact that you will have to find alternative accommodation during the period that the work will be going or due to other inconveniences that come with the work will require the job done fast.

The amount of time taken will dependent on several things. So what are some of these things?
· Technical capabilities
If the contractors are well trained on the job then they are likely to finish the job faster. Roofing is not a talent job and due to this fact it requires some formal training for one to be able to perform it. This training is what determines the technical capabilities of the contractors. The better the level of training the better they are at the job and so the faster you can expect them to finish the job.
· Experience
Besides from technical capability, experience also defines how good roofing contractors will be at the job. A contractor who has been replacing roofs for the last few decades cannot be compared to a newbie on the job and so he will probably complete the roof replacement faster than the newbie even if they have the same level of training. Through his work the contactor will come through many challenges and so he will be forced to come up with ways to handle them. It is through this that he will get better at the job.
· Availability of materials
Roofs are made from different types of materials including some which are imported. In such a case if you would wish to replace your roof with the same material you had used initially then you will be forced to wait for the arrival of the shipment. This will delay contractors work and so he will end up taking more time than he would have if he was using locally sourced materials for the replacement.
· Size and design of the roof
The larger the size of the roof the longer it will take the contractor to replace the roof. Replacing the roof of a two bed roomed house is very different from replacing the roof of an eight bedroom mansion. No matter how skilled the roofing contractors may be, the work load in the later case is a lot and so it will definitely take them longer. Roofs are designed in different manners and some designed may be very complex and so the contractors will have to take some time from the job to first plan how they are going to work on the roof. In order to retain the original design the roofing contractor will also need to do the work gently in order not to mess things up. All this will add to the total amount of time they will spend on the project.

The above are just some of the reasons that will influence the amount of time that roofing contractors will take to replace a roof. There are still many other factors for example unfavorable weather.

Roofing Contractors Insurance Is A Must

The roofing trade is usually associated with many risks, and therefore many roofing contractors or roofers face many risks each and every day at their job site. This is because there are severe injuries that can occur due to fall from roof or a ladder, this is majorly due to the heights that are involved and also the hot roof that occasionally occur. Equipment or property damage, subcontractors and employees and the people near the job site might also get injured at work, therefore this risk needs to be covered. This is because the well-being of business and other assets are also dependent on roofers insurance.

Therefore homeowners should see the need to protect themselves because in some cases, some roofing contractors do their operations illegally, this happens if they don’t have a license and an insurance cover with public liability and workers compensation insurance. It is the effort of the homeowner to ensure that roofing contractors have their insurance in place before giving them the roofing job.

Roofing contractors may consider the following options in insurance covers depending on their nature of work, whether you hire staff or subcontractors, and whether you work all year round or you work for several months during the year, for example some workers only work for 8 or 9months in a year. Others may devote to work during the coldest months to remove snow on roofs and other jobs. These covers can be added to the policy (Business Owners Policy)or they can be purchased as stand-alone coverage
Tools and equipment floater;
It can be added to property damage coverage. This insurance cover own specialized tools, leased specialized tools and roofing equipment. Cover for tools and contract works are important add on policies because of providing some peace of mind in the event the tools get stolen, damaged or lost.
The Commercial vehicle insurance:

This insurance covers all cars, vans, trucks, and other specialized trucks that are for business purposes

· Inland marine insurance:

This makes sure that the tools and equipment being transported from one job site to another are insured.
Work performance bonds: work performance Bonds, are usually not strict insurance policies. These bonds provide a work guarantee which may be required if the roofer is doing a municipal or commercial job.

· Employers liability insurance

Another requirement by the law says that liability insurance is important to business or tradesman that is having employees, casual workers, temporary staff and hired contractors. Any cost that may be incurred by the employee because he or she was injured or he or she became seriously ill whilst at work, the policy will pay.

· Public liability insurance

This is a big must and a recommendation for any roofing contractor. It covers you against the cost that result to injury or damage to a third party. Public liability covers from one million pound ranging all the way to ten million pound.

In a nutshell, roofing contractors must have an insurance cover under the various areas that relate to their field of work as mentioned above, and with this, the issues that could lead to a compromise in their ability to be in job and earn money could be minimal.

Choosing The Right Roofing Contractor

A roof is one of the most important parts of any building structure. Roofing contractors will always be needed when building, maintaining as well as when repairing a roof. It is important to get a contractor who will offer you quality services for your money. Always make sure you find a qualified contractor with a solid reputation who will give you a roof that provides personal comfort, structural integrity, and at the same time is attractive enough to go for a higher value in case you want to sell the house. The roof provides the home with warmth, protection as well as shelter and should be strong and sturdy at all times. Roofing is an expensive project undertaken by a homeowner hence the need to take time and find a contractor who can offer the best services.

Benefits of hiring roofing contractors

· Roofing contractors are experienced licensed professionals who have been trained to deal with the roofs. This makes them experts in this field since they already know what they need to do in case a situation arising as he is installing, repairing or maintaining the roof. 

· They also have the required tools for their job such as the climbing as well as protection equipments. Any attempt to climb the roof by untrained persons should not be allowed as it can lead to accidents causing serious injuries or even death.

· Roofing contractors work for companies like http://towleroofing.com/ and are insured. In case the roof is damaged during repair the insurance covers the loss and this saves you some money and time which would be lost if you are using untrained person who is not even insured.
Steps involved when hiring roofing contractors.

· Get a referral from a friend or a relative who have dealt with roofing contractors before. Testimonials from people who have had their roofs worked on will give you an accurate picture of the contractors in the market.

· Do your research after identifying the contractor’s names and companies from the referrals. Verify their business contact information and whether they are licensed and insured.

· Meet the contractors face to face after narrowing the list and discuss the roofing materials as well as the extent of work required in case of repairs. Observe the person to make sure they are professionals and knowledgeable.

· Get the contract in writing before beginning the job and ensure that it covers all the safety procedures, workers compensation as well as liability. Also ensure the quality of work, the timelines agreed upon for the job and the budget for the job are clearly stipulated to avoid any misunderstanding thereafter.

· Ensure you always get what you wanted after the completion of the job.

Tips for choosing a good roofing contractor

· Inquire and confirm that the contractor and his employees are insured against any liabilities that might occur during the construction

· Choose a contractor that has an established business and reputation in the community

Ensure the contractor you choose has the right tools and skills for the job rather than going for cheap prices and ending up with a shoddy job

Roofing Services That Reduce Insurance Costs

houseWhen building a house, several factors have to be considered before any construction begins, and one of the significant factors that are critical when building a house is the roofing services. We have different types of roofing services, which includes; metal roofing, composition roofing, and wooden roofing. However, one should take into account the insurance value of the roofing service he or she uses, so as to choose a roofing service that will reduce insurance costs, in the long run. These are some of the ways a person will reduce his/her insurance costs by choosing a roofing company with the following benefits:

5.Increase your insurance deductible

By increasing the deductible amount a homeowner, will reduce his/her insurance costs, because he/she will incur significant amount of insurance loss , if he/she reduce their deductible amount. This because insurance companies will increases the risk amount that would reflects the amount a homeowner will pay as premium. For this reason, you should choose Roofing Company that allows you to increase your insurance deductible.

1.Choose a Roofing Company that offers new roofs

When you choose a Company that offers new roof, you reduce the amount to pay as insurance premium, because a new roof is considered less risky by some insurance Companies, thus lowering their insurance premium amount. On the other hand, choosing an old roof have a high chances getting risky, and Insurance Companies will increase the amount of premiums for old roofs. For this reason, choose the new roof and you will be in the safe hands.

2.Choose an impact-resistant roofs

Impact resistance roofs last for a longer period and are resistant to harsh environmental conditions; as a result, the chances of risks are minimal. Due to low levels of getting risky Insurance Companies will also lower premium for impact resistant roof, thus reducing insurance costs.

3.Choose a Roofing Company that offers shop around and Bundles policies

There are Roofing Companies that offers insurance bonuses to customers who buy plenty of products. And they give free bundles policies, that reduce the final amount you will pay as premium, and by using their services you reduce insurance costs.

4.Increase your insurance deductible

By increasing deductible a homeowner will have reduce his/her insurance costs, because you will only incur significant loss, when you reduce your deductible as insurance companies will increases the risk amount that reflects the amount a homeowner will pay as premium. Therefore, you should choose Roofing Company that allows you to increase your insurance deductible.

5.Choose a roofing service that offers employee protection

We have roofing services that offer insurance to employees building a house. The reason for insuring employees against risk is for compensating them if an accident occurs during the construction process. The contractor or the person building a house will not incur any cost as a result of an accident to their employees. Thus, minimizing insurance costs.

6.Choose a Roofing Company with qualified and skilled professional

We have several Companies that hires workers who are not skilled and therefore offering poor quality services, in the long run. However, some companies will hire professionals with specialized skills to boost their reputation. And they give quality services that any contractor will appreciate and would never shy to employing them. Therefore, inquire from homeowners to refer you to the best Roofing Company with qualified professionals.

Don’t Hire A Roofing Contractor Without Insurance

In as much as you badly want to hire a roofing contractor, it is prudent to think about bad occurrences such as emergency roof repair. Your roof will be the first structure to be acted on when hail, wind, wildfire or other hazards presents. It’s not that you have this pessimistic character but you honor the need of protecting your home of life’s surprises. You ought to feel secure in your home and let money be the last thing to worry you whenever disaster strikes and hiring a roofer with insurance gives you just that!

What is more

A roofing contractors working with Insurance Organizations and Insurance Agents offers upscale roofing system and lasting problem solutions. Therefore, you will rest assured that your next multi-unit or single-unit roofing project is safe and beyond your expectations. Such a roofer boasts broad knowledge of insurance processes and it is not without understanding the needs and expectation of those doing the insuring and those being insured. This is because their training and working experience have served them well to master insurance practices, terminologies and buzzwords.

So they get down to work appropriately just to make your needs superable as they are fully aware of what is being talked about and taking place. More so, they are greatly acquainted to insurance software and can as well help you estimate, bill and invoice processes.

A roofer with insurance vests a lot of interest in your roof and sees that your roof is insured accordingly depending on its construction and replacement costs. You should also note that types of roof’s incentives and disincentive vary widely by location and company. A person living close to a wildfire area with his roof made of cedar shakes will pay more than his counterpart owning a metal roof that can fight fire.

What is covered

Insurance policy covers your roof damage in the events of fire, storms, vandalism or theft. However, a premium insurance policy excludes its cover in cases of nuclear hazard, earth movement, war, power failure, government action or poor maintenance. Remember that your premium is priced based on the degree of risk foreseen, so you undertake appropriate preventive and maintenance measures to reduce your liability risk and thus, mitigating the premium.

Are you worried of being denied valid claims? You are wise to worry. This can be simply over come by keeping records in addition to saving contracts, receipts and appraisals. It can even go to the extent of documenting phone calls by keeping a record of those you conversed with and when.

The beauty of it all is that even when you feel like not to file a claim because the case appears manageable, it’s no surprise that you can receive a check and the next thing you know, a new roof.
Below is an outline of benefits attached to an insured roofer

_Master of insurance processes
_Awareness of the expectations
_Established rapport with numerous insurance companies
_Partnership with insurance companies
_Understanding of insurance jargon
_Technology familiarized; measuring roofs accurately and appropriately
_Insurance software know-how
So sit back, relax and enjoy the ride because you can believe in a roofer with insurance to get you where you need to go with your roof, thanks to his promising services.

Will Roof Cleaning Reduce My Insurance Costs?

Unknown to many homeowners a dirty roof will not only attract higher insurance rates but can also get your home owner’s insurance revoked. This is because neglecting a roof can lead to damages that would require replacing the entire roof when roof cleaning would have been the ideal alternative and cheaper thing to do.

Other than lowering insurance costs there are other benefits of keeping a clean roof. These include:

1. Improving the appearance of your house
When a roof has dirt, debris or dark stains caused by algae, moss or lichens, the appearance of the roof becomes ugly and unsightly. This makes the house unattractive to potential buyers and also reduces its resale value should you want to put it on the market.

2. Increasing the lifespan of the roof
When a roof has algae on it the lifespan of the roof is greatly reduced because the algae tends to shorten the durability of the roof. The dark stains also trap excessive heat which can further damage the shingles. The moisture and the heat trapped on a dirty roof can also cause decay of the roof shingles.

3. Reducing you power and energy bills
When roofs have dark stains on them, the roof tends to retain heat resulting in indoor conditions that are hotter than usual. This naturally results in increased power bills because of the attendant air conditioning demands.

4. Better health for the house occupants
A dirty roof creates a conducive environment for mold to thrive. Mold may in turn lead to allergic reactions and negative health implications on pets, the aged and kids.

In apple roof cleaning some of the things you will require to get the job done include a ladder, safety rope, shoes that are slip resistant, a pump sprayer, rubber gloves, a garden hose equipped with a spray nozzle and a cleaner. To ensure a safe, effective and efficient process there are several tips you need to keep in mind.

Tips for roof cleaning

1. Safety should be a top priority when working on a roof especially when conditions are wet and slippery. When climbing on a roof put on shoes that are slip-resistant. Also have a safety rope with you. Some chemicals used in roof cleaning can also be harmful to the eyes and the skin and so goggles as well as gloves should be worn.

2. Some cleaning agents like bleach might destroy not only the algae but also flowers and other plants around the house. So when bleach runs off to the ground pour some water on these surfaces to dilute its effects.

3. To reduce evaporation of the cleaner, roofs are best cleaned on a cloudy day.

4. One way to prevent algae from regrowing is installing strips of galvanized sheet metal or copper on both sides of the roof just under the ridge.

5. While the easiest way to clean debris from a roof is by hand, a blower can be more efficient and offers less chances of the person doing the cleaning getting dirtied.

6. When cleaning debris from a roof with a soft brush it is important to apply as little amount of pressure as possible. If excessive pressure is applied the roof granules can come off thereby shortening the roof’s lifespan.

7. To remove algae, moss and lichens and mold from the roof the best way is by high pressure washing. Treating the roof using a fungicidal wash after the high pressure washing will help in preventing the algae, lichen and moss from growing again.

As has become clear it is important to keep the roof of your house clean at all times so as not just to maintain its value but to increase the roof’s lifespan. Plus, a clean roof prevents your home insurance costs from shooting through the roof!

The Different Types of Roofer’s Insurance Coverage

cropped-Roofersins.jpgAs roofers are on the tops of buildings for most of their working day, it is a very dangerous job. Even the smallest accident could result in very serious or even fatal injuries. With this in mind it is therefore important that roofing companies and independent roofers get an appropriate level of roofer’s insurance coverage, in order to protect themselves in the event of unexpected accidents while on the job.

The Different Types of Roofer’s Insurance Coverage
An experienced and reputable roofing insurance provider will be able to help a specific roofing business or roofer choose the appropriate coverage that meets their requirements. There are five standard types of roofing insurance products available that all roofers should understand properly and consider including Roofer’s Bonds, Tools and Equipment, Business Auto, Worker’s Compensation and General Liability.

To help give you information before you even speak to prospective insurance companies, we have listed descriptions of each of these policies and why they are so important.

Roofers Bonds
Roofer’s Bonds is a type of insurance that the majority of roofers and roofing companies choose to purchase. It is a kind of bond that is negotiated and signed between the client and the roofer or roofing company and includes a series of conditions that are reasonable to both parties such as performance bond, payment bond, bid bond and license bond.

Business Auto Insurance and Tools and Equipment Insurance
Business Auto and Tools and Equipment insurance is a policy that provides a roofer or roofing company with the coverage for any losses sustained due any accidents that occur while work is being carried out. . As stated at the outset of this article, roofing is a dangerous job and therefore this is one of the most essential forms of coverage a roofer or roofing contractor can get to protect themselves financially.

Worker’s Compensation Insurance
A Worker’s Compensation Insurance Policy is coverage that enables employees to get compensation for medical expenses and/or wages lost due to an injury that occurs on the job and affects their ability to carry on working. This type of coverage is can benefit a roofing company greatly as it could save the company a lot of money. In many situations and circumstances, depending on the number of employees and type of business a company has, it may even be a legal requirement.

General Liability Insurance
All roofers and roofing companies should consider purchasing a General Liability Insurance policy as this can protect individuals and businesses against various things including claims of property damage, advertisement damage, body injuries, personal injuries and so much more. This is the type of coverage that is necessary in case of any accidents as the insurance company will pay all liabilities related to any damages caused.

Whether you run a roofing company or are a self-employed one-man-band roofer, you need to ensure that you have the appropriate insurance coverage for you and workers you employ. If you are not sure what type of insurance you need you should speak to an experienced insurance broker or insurance company who will be happy to direct you towards the best policy for your business.

Roofing Contractors Professional Liability Insurance, Errors & Omissions

For any roofing contractor, customer satisfaction comes before everything. Securing a contract to do the roofing of a residential home under construction and/or business premises is not that easy because there are different criteria that builders or developers look at before hiring any contractor. One of the common criteria they look at is whether the contractor seeking the job is fully licensed and insured against any liability. There are many benefits that accrue to any contractor who is insured under different coverages.
Benefits of contractors professional liability insurance

It serves as a proof that you are eligible for the job
Before any contractor can remove the tools to start the work on site, a proof that he/she is indeed a professional roofing contractor and that he is fully covered against any risks and liabilities while doing the work is very important. The proof that one is insured as a contractor is not only necessary to the builder or property developer, but the proof might be required by the property owner or even the local government. The insurance does serve as a tool easily securing contacts at the same time carrying out the contact in smoothly.
Ensures smooth compensation process after occurrence of a loss
In the course of the job, the employees on site might cause injury to third parties who might claim compensation. Roofing contractor’s professional liability insurance ensures there is smooth compensation of the injured party in the course of work and that the compensation is equal to the loss suffered. This gives property developers confident of their contractors because they are fully insured and that any loss occurring during the execution of the contact does not interrupt the work on site.
Steps to follow when looking for professional roofing liability insurance

Identifying a company providing the insurance coverage
Not all insurance companies provide this type of insurance coverage and as such the first step is identifying an ideal company providing the same. There are insurance companies providing professional roofing liability insurance coverage that are based online while they provide most of their services locally. Other locally based insurance companies in many towns provide the same insurance coverage and it’s all about searching and identifying one.
Filling the insurance application forms
For an insurance contact to be formal, a form must be filled and submitted to the given insurance company. The forms, which tend to capture the personal details and the kind of professional a roofing contractor is in, can be downloaded from selected online based insurance company sites or acquired locally before they are filled and then submitted to the insurance company in question.

Payment of premiums
Different insurance companies charge different premium rates depending on the structure and period within which the coverage is valid for. Once a contractor has filled the professional roofing contractor coverage, he or she can go ahead and make the payment of premium and complete the insurance coverage.
Tips on how to get the best insurance coverage

Choose an insurance company that is reputable
A reputable insurance company offering the professional roofing contractor liability coverage will not only provide the coverage at convenient premium rates but it will also guarantee the contractor of smooth compensation in the event of a loss. Reputable insurance companies providing professional roofing contractors liability coverage will also provide for errors and omissions as compared to traditional insurance companies providing general liability covers.
Low insurance premium can be the best
When insuring oneself or company, going for low manageable insurance premium rates can be the best idea. Reasonably lower premium rates can give the contractor the peace of mind because paying them will not be a problem because all the same they will cover the losses anticipated for the specified period in the contract.

The Factors Affecting The Cost Of Insurance Of Commercial Vehicles

It is a requirement by law that all commercial vehicles are insured so that the business to evade liability when the vehicles are involved in accidents. The insurance rates of commercial vehicles vary significantly from vehicle to vehicle. It is therefore prudent to consider the factors which affect the cost of insurance of vehicles before purchasing them for business purposes so as to ensure the costs of insurance are effectively cut to maximize the profits of the business.

Several factors affect the amount of premiums paid for insurance of commercial vehicles. First, is the distance traveled by the vehicle. This directly affects the amount paid in premiums for insurance due to the logic that the longer the distance, the more the risk of the vehicle getting involved in an accident. For businesses whose commercial vehicles engage in very long distance transportation of goods pay higher rates of premiums to compensate the extra risk.

The driving records of the drivers affect the amount of premiums charged as premiums by insurance companies. This is because most insurance companies have the perception that if a driver gets involved in accidents frequently, chances are that he or she is likely to be involved in another accident too. To compensate for this risk, the insurance companies charge the business with “reckless” drivers more. It is therefore common sense for businesses to hire drivers with clean driving records so as to cut down on the premium levels charged by insurance companies.

The cost of the vehicle is proportional to the amount of premiums charged on that vehicle. Expensive vehicles with more features attract higher premiums than cheap and simple ones. This is because when the expensive vehicles get involved in an accidents and the insurance companies have to compensate the businesses, they actually dig deeper into their pockets to compensate them. It is always advisable for businesses to consider the annual premium cost of each specific model of vehicle before purchasing it so as to ensure they are aware of the amount of premiums they will be paying to the insurance companies annually.

Most insurance companies normally offer bulk discounts to businesses whose commercial vehicles they insure in large numbers. This is usually directly proportional to the number of the vehicles the business offers the insurance company to cover. When businesses purchase insurance policies, it is advisable that they purchase them from a specific company and in bulk so as to enjoy the discounts and thus minimize costs incurred as insurance premiums. This ensures lower expenses are accrued as insurance premiums.

Though several factors affect the premium rates of vehicles, the actual type of the vehicle is a critical determinant of the amount to be paid as insurance premium with commercial vehicles insurance being more expensive to insure than commercial trucks. It is therefore advisable for businesses to consider the insurance policies of different types of commercial vehicles before they purchase them to ensure that future unnecessary expenses are avoided.

General Liability Insurance For Roofing Contractors

If you are into the roofing profession, you can of course bid and probably make an offer for a project without proper roofing insurance; but when it finally comes down to the stage of project allotment and execution, you may be required to present your insurance documents by the home owners, business managers, engineer or the government.

If you perform a job as risky as roofing that involves working at huge heights, in tough climates and with risky tools, you are not only putting your life at a great risk but you are putting your career on a greater risk as you may have to face a ban or other legal lawsuits, if found to be working without proper license and roofing insurance. The general liability insurance for roofers is the best and mostly used roofing insurance by roofing professionals and roofing companies. It is affordable and provides many protective layers to your defense against plenty of possible lawsuits like negligence, accidents, equipment and financial losses.

General liability Coverage for roofing contractors

Following are the five categories of roofing business liability that are covered under roofing general liability:
Completed product or project liability: It covers losses after the project is completed or the required product has been delivered.

Body injury liability: It covers physical damage to any person at your site or by one of your employee.
Advertising injury: It covers the advertising losses occurred due to your spoken or written advertisement that has troubled someone or your competitor.

Personal injury: It cover personal damages to ones reputation and rights, it also includes copyright infringement, libel, privacy invasion, wrongful eviction, false arrest and much more.

Medical payments: It covers medical expenses for any person who has been injured in your premises and that person can be anyone including a client, customer, visitor or possibly a trespasser.

The general liability roofing contractors insurance also covers independent contractors that you might have hired for specific project requirement.

It is imperative for homeowners to check for company license and roofing insurance document of the professional or company they plan to hire before assigning the project. This is to insure that you and the company would be having a safer work site and workers. You should check following points in the insurance document:

That the insurance policy is on the name of the individual contractor or the company 
If it is on the company name, make sure that its workers are insured too
Make sure that the policy is valid and is in force
Also check if the insurance policy has specific inclusion of roofing coverage

Determine whether or not they usually are seasoned ample to try and do what you look for. Generally employ often the building contractors this are dedicated to the effort you wish. In particular certainly not employ roof top building contractors to run your personal timber carpet just simply turn into they are really quoting a low priced charge. Have a meeting together with the staff before commencing the career. On this assembly consults numerous issues you wish with their do the job. In addition reveal these individuals whatever you wish in addition to erase every one of the fears.

The roofing contractors insurance policies can tremendously benefit both the roofing company and the homeowners and the consequences of performing a roofing job without insurance could be fatal. Safeguard your business with suitable roofing insurance

Environmental Liability Insurance for Roofing Contractors

Roofing contractors not only face risks associated with tall buildings and slippery surfaces, they often come into contact with environmentally unsafe materials such as mold, lead, and asbestos. Because of this, it is vital to purchase the right type of protection.

Insurance Policy Coverage

As a contractor, there are a number of different insurance policies available specific to environmental risks. Examples of these include:

· Asbestos Abatement
· Builder’s Risk
· Casualty and Property
· Contractor’s Liability
· Demolition Liability
· Demolition Contractors
· Environmental
· Lead Abatement Contractors
· Lead Abatement Liability
· Lead Paint Liability
· Mold Liability
· Roofing Contractors
· Roofing Liability

In addition to the above, many roofing contractors secure worker’s compensation insurance, as well as pollution and environmental insurance policies. Regarding cost, a policy of this kind will vary depending on the amount of liability needed but also the specific type of work performed.

Key Benefits

Obviously, having the right type of insurance coverage brings peace of mind but also financial support should something go wrong. Without doubt, coverage of this type is an effective risk management tool. There are many different benefits of environmental liability insurance for contractors, as indicated below:

· Environmental liability insurance for roofing contractors will fill the gap for pollution exclusions in automobile, property, and commercial general liability insurance policies.

· In order to file a claim, a roofing contractor does not have to be in the pollution business. Various risks such as lead pain, asbestos, and mold can lead to serious liability on the part of the contractor so even if the contractor is not affiliated with pollution, the policy would hold up.

· Although finding an environmental policy can be challenging, typically, competitive pricing is available

Helpful Tips and Steps

From an insurance company’s perspective, roofing is a dangerous job and as such, it is a difficult industry to place based on the nature of work involved. Along with environmental risk and potential of falling, roofing contractors could accidentally cause property damage while fixing a leaking roof.

For this reason, securing environmental liability insurance for roofing contractors is tough. Today, most brokers will attach a roof warranty to the GL policy in an effort to minimize exposure. This warrant clearly states that unless certain precautions are taken to mitigate loss, no coverage exists.

As a contractor, it is strongly recommended to begin looking for an environmental policy immediately and to start with top-rated insurance companies. It is also important for contractors to fully understand the various clauses of the policy to ensure the best coverage and if there are any questions, ask.

In general, roofers with residential exposure are also required by General Contractors to carry the blanket additional insured endorsement for completed and ongoing projects.

The bottom line – roofing contractors’ work is hard enough without the burden of environmental risks. However, these risks are a very real part of the job and something that roofers face all the time. For protection of the contractor, but also sub-contractors, home and business owners, and even personal effects, it is imperative to include the cost of environmental liability insurance for roofing contractors in the annual business plan.

Workers Compensation For Roofing Contractors

There is always a risk of physical damage involved in the construction business and when it comes to roofing the risk is even more. So it is very important that that there must be an insurance for roofers. The roofing contractors pay a lot of attention to roofers insurance as it ensures smooth running of the business. There are a lot of details that one must pay attention to before choosing a roofing contractor for it involves risk to the life of the roofers and even damage to the property. Every contractor must have a roofers liability insurance for it guarantees the safety of the property and reimbursement for any property damage.

Based on the type of damage, whether it is to the property or the roofers, there are different types of insurance available that the contractor must have. Every businessman must have small business insurance for the protection and coverage of the business in case of an unexpected event. In a world where business matters can end up in the court, roofing liability insurance is necessary for contractors. This ensures that if there is any damage to the property or injury to a person while the roofing is being carried out it will be covered and you don’t have to face court matters or incur expenses.

The National Roofing Contractors Association is an organization formed by professional roofing contractors to safeguard the rights and maintain legal supremacy for the contractors who have proper insurance. The most basic roofing insurance that a contractor must have is the Contractors Liability Insurance in which any damage to the property, body injury to a third person, medical bills and the court expenses for suits filed against the contractor are covered. You must understand the worth of your business and choose the right insurance to face any future issues.

The workers who can suffer physical injury or even life risk are the primary responsibility of the contractor. So roofing contractor insurance for workers’ compensation is the next important thing. Roofer insurance will cover any work-related injury or illness or any medical expenses that happens to the worker on the site. The insurance for roofers will cover any physical injury, temporal disability, permanent disability, mental injury or death of the workers. So, for the safety and reputation of your company, you should opt for roofing contractors insurance. While selecting roofer’s, people generally check these details and the paper work to avoid complications later.

In addition to roofers insurance, the contractors must have contractor bond to ensure that they have all the paper work ready and avoid court matters. This highly increases the reputation of your business and facilitates rapid growth. The contractor bond ensures that you have all the paper work for the functioning of your business and you are prepared for any legal matter. While selecting roofer insurance, remember that there are various customized insurance plans available. For example, the commercial auto insurance covers the damages that occur on the way to the site. Roofer insurance is necessary for every contractor who wants to grow and is concerned about the smooth and effective functioning of the business.

Product Liability Insurance For Roofing Contractors

Home improvement is a very lucrative business to be in because people enjoy their homes and like to keep them in great shape. Did you know that being a roof contractor is one of the most dangerous jobs to have? That is why you should always be prepared for the unthinkable with product liability insurance. Product liability insurance is in place to help cover you in case one of your products injuries one of your customers or if it is stolen. This is one of the best things you can have to protect your products.

Product liability insurance is just one part of what you should have in on your business insurance as a roofing contractor. Most small business owners have a business owner’s policy that covers everything they need, and most places give them discounts for bundling their coverage. One option that you should have or already do is general liability; this covers any third party damage or injury to a person that is not employed by you. If you consult with customers about products or treatments that they might need then, you might want to add professional liability to your coverage. This covers you, if are sued because of advice you gave to your customer that resulted in a loss of business.

If you have employees then, you have to make sure that they are covered in case something happens on the job with worker’s compensation. It varies from state to state and the numbers of employees on whether or not if you need it. Along with insuring your business, you also should have very good commercial vehicle insurance on your commercial vehicles; this applies to all vehicles that are used for your roofing business. This might sound like a lot of coverage, but most of this is included in your Business Owners Insurance and this all includes property damage and loss of income coverage. This covers you if you can’t operate a business or if something gets broken and needs to be fixed.

As a roof contractor there are some other options you should look into when you are getting insurance for your company. Since your tools and equipment are very important to your livelihood, you might want to consider insuring them as well. There are two options to do this; you can get tool and equipment floater, which covers damage and lets you lease or buy new ones. There is also Inland Marine Insurance; this covers transportation of your tools and equipment; this is important if you keep your tools in your work vehicles.

One last thing you should consider getting for your roofing business are work performance bonds, these will allow you to work on commercial and municipal roofing jobs and can help expand your business. This sounds like a lot of stuff to take in but insurance is there to help you if something goes wrong and most insurance companies bundle their services, which makes your payments less every month and you have to piece of mind that if something goes wrong, you are covered.