Dangers of Hiring an Uninsured Roofing Company
Your roof is one of the most expensive components of your home, so that last thing you want is an uninsured roofing company doing any work on your roof. From hail and rain to falling trees, there’s a good chance that you will need regular maintenance and repair from a Memphis roofer at some point.
When these issues occur, you will be faced with the daunting task of hiring a roofing company that will perform quality work and also be insured. So what insurance should your roofer hold and how do you know if they actually have insurance?
Don’t worry, we are here to help! Check out the risks of using an uninsured roofer and the common scams that roofers use to make you think they have insurance:
What is a Certificate of Insurance?
As a homeowner, you should confirm that your roofer and anyone who does work on your home has an active certificate of insurance.
At Restoration Roofing our certificate contains general liability insurance, automobile liability insurance, workers compensation insurance and an umbrella policy. This is an expensive coverage, and the reason is that next to doctors, roofers are some of the hardest and most expensive groups of people to insure. This is due to roofing being a very high-risk profession.
Why is Roofing Expensive to Insure?
Coverage for Your Property – During each new roof installation we are carrying thousands of pounds of materials up on your roof and also thousands of pounds of materials coming off your roof. This is a high risk to your home and property so any roofer needs to have the insurance to cover even the worst case scenario.
Safety and Injuries – Roofing is one of the most dangerous professions right up there with Alaskan crab fisherman! Because of these risks, legitimate roofing companies will spend the money to make sure their workers are properly covered.
Different Types of Roofers
The Uninsured Roofer – This is the person or company that you want to avoid. Never let anyone do work on your home if they do not provide the proper insurance. If a roofer has substantially lower prices compared to the other roofers in your area, there is a good chance that they are able to offer that low price because they are not paying for insurance coverage.
The Falsely Insured Roofer – This is another shady roofing company that you want to avoid. These are the roofers that will get insurance and make one or two payments to have the certificate but don’t have their policies up to date.
Insured Roofer – This is obviously the roofer you want to choose. Legitimate companies can show you an up-to-date certificate with umbrella polices purchased at high limits to cover the worst-case scenarios.
Ready to Hire a Memphis Roofer? We’re Licensed and Insured!
If you are in need of a roofer in Memphis, TN, check out our team of roofing experts at Restoration Roofing. We are a family owned and operated roofing company that is fully licensed and insured.
If you have any questions or doubt about the condition of your roof Restoration Roofing will provide you with a free inspection. To get in touch with one of our project managers, give us a call at 901-854-3402 or click here to set up a free inspection. We offer free inspections that are easy and completed quickly. Make sure to follow us on Facebook and Instagram for more tips on taking care of your Memphis roof.