Florida requires all roofers and roofing companies to carry two types of insurance to be a legitimate roofer. It is against the law to conduct business without having insurance. If something goes terribly wrong, the roofer’s insurance must be able to cover the damages.
A good way to verify the legitimacy of the roofers you are considering is
to check with your local building department to determine if they are up to date with their insurance requirements.
Roofing companies are required to carry a Workers Compensation insurance policy as well as a General Liability policy. Without either of these insurance policies, the roofer will not be able to get the necessary permit so that he can legally sell you a roof. If he is uninsured, he will
try to sell you the new roof and dissuade you from thinking he should have a permit for the work to be done.
There is the chance that the insurance company has very recently discontinued coverage or the coverage has lapsed for a particular roofing company and nobody would be made aware yet of these circumstances. This is why the best way to know if your roofer is insured is to request a certificate
of insurance prior to the start of any work. A good roofer will have no problem doing this. All he does is make a call to his insurance agency and request a certificate be sent to you. A faxed copy can be received but it must be followed up with a mail delivered hard copy. If you do not receive one in the mail from the insurance company or the roofer tries to hand you a certificate, the roofer is not
complying with your request and it is fair to assume that he is hiding valid information from you. It is a simple process, so don't get tricked. This method will also show you the policy limitations so that you can determine if the coverage's are adequate for your roofing project.
Using an uninsured roofer increases your risk of sustaining additional damage that will cost you additional dollars to repair.
If your property incurs damage from the roofers faulty workmanship or negligence, his general liability policy will be needed and necessary to assure that all that is damaged is properly replaced or repaired.
If one of the roofers gets injured while on the job, the company's Workers Compensation policy will be necessary in dealing with the injury. In the event that there is no Workers Compensation
policy, you may get sued for the injury that happened on your property.
The verification of insurance is very easy to confirm and extremely important, so if at any time you become confused about the information or acquiring it, please do not hesitate to call us for help. We are here for you.