Roofing Contractor Insurance
Coverage intended for roofers — repair, replacement, and new installation across residential and commercial.
What this coverage is intended to address
- ✓Third-party bodily injury and property damage during roofing operations
- ✓Wind, debris, or material damage to adjacent property
- ✓Water intrusion allegations after completed roofing work
- ✓Tools, ladders, and roofing equipment (when scheduled on the policy)
Coverage products commonly considered
Most roofing contractor operations consider one or more of these coverage types:
Hypothetical claim scenarios
These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.
- A nail gun discharges and damages a neighbor's parked car. The general liability policy is generally intended to respond in the event of a covered claim.
- Months after a re-roof, the homeowner alleges water intrusion through the ridge. Completed-operations coverage is generally intended to address allegations of this nature.
Frequently asked questions
Is roofing insurance hard to get?
Roofing is among the harder trades to place because of completed-operations frequency. Many standard carriers exclude roofing entirely. Specialty markets are commonly used.
What about hot tar, torch-down, or hot-work operations?
Hot work is often excluded or requires a separate hot-work endorsement. Confirm policy form covers your methods.
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