Insurance for roofers is an absolute essential. It doesn't just cover the experts on the job, but also protects you and your home.
In this guide, we explain why it's so important to hire an insured roofer. We also walk you through the different types of insurance roofing contractors need, give tips on verifying insured roofers, and more.
Dive in to discover why you should always hire an insured roofer!
The Importance of Hiring an Insured Roofer
When it comes to roofing jobs and projects, a roofer's insurance is equally as important as the skills under their belt and the tools in their toolbox. A reputable roofing business will always be fully insured, not just to protect themselves, but also their clients.
As a homeowner, you can be held accountable for accidents that happen on the job, which can land you in some legal troubles and set you back financially. But when contractors are insured, you're not liable for any mishaps that happen, be it damage to your property or an on-site injury. This means your pockets and home are protected.
Insurance also safeguards your investment in the service. Even if the roofer you hired can't finish the job, it will get done regardless, thanks to the roofer's insurance coverage, which typically includes incomplete work due to unforeseen issues, repairs, and replacements.
What Insurance Do Roofers Need?
If you thought that roofers just need roofing insurance, think again!
Roofing businesses don't just need the basic business insurance that most companies have; they need specific insurance that covers a bunch of industry-related risks. Here's a roundup of the insurance policies that every roofer should have:
Public Liability Insurance
Public liability insurance covers injury and property damage caused to third parties during roofing work, like a tool falling on your neighbour's car or a visitor getting hurt on-site. It's the minimum must-have policy that every contractor needs.
Professional Indemnity Insurance
Any advice, designs, or recommendations that a roofer gives you are covered by professional indemnity insurance. Let's say a contractor suggests a material which later causes problems that land you repair costs, this insurance will cover those losses and legal costs.
Workers' Compensation Insurance
If the contractor you're hiring has a team behind them, they are legally required to have workers' compensation insurance. This covers their staff for medical costs, lost wages, and even rehabilitation if they sustain severe injuries on the job.
Contract Works Insurance (a.k.a Construction Damage)
This covers damage that happens to the actual roofing project, be it during the construction phase or restoration. This coverage is especially important for large-scale projects, as there's always a greater risk of damage when heavier equipment, tools, and materials are involved.
Equipment & Tools Insurance
Equipment and tool insurance is a basic coverage type that safeguards a contractor's tools and machinery if they break, are stolen, or get damaged on the job. While this doesn't directly protect you as the homeowner, it does ensure roofers can swiftly resume work with no delays if something goes wrong with their equipment or tools.
Home Warranty Insurance (a.k.a. Domestic Building Insurance)
States like Victoria and New South Wales require home warranty insurance for roofers. This covers residential projects over a certain amount (usually $16,000+). If a roofer can't complete a job due to insolvency, death, or disappearance, then you're covered.
Vehicle & Transit Insurance (a.k.a Commercial Motor Insurance)
Vehicle and transit insurance covers the work vehicles a roofer uses to carry materials to your property. If there are any accidents surrounding transport, vehicle damage, or theft, then you won't be held liable.
Personal Accident Insurance (for Self-Employed Roofers)
Independent roofers who are self-employed should have personal accident coverage from an insurance company. This covers personal injury or illness that occurs on the job, so you can enjoy peace of mind knowing you're not financially responsible for any related costs.
Management Liability Insurance (for Roofing Companies)
Management liability insurance covers the roofing managers, directors, and business entities for claims of mismanagement, breaches of duty, and workplace issues. When roofing companies have this type of insurance, it's a good sign that they are both compliant and accountable.
How To Verify a Roofer's Insurance
Here are some top tips to help you verify the insurance of roofing contractors:
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Ask for official paperwork, like a certificate of currency.
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Check the expiry date of a contractor's policy.
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Match the business details with the name on the policy.
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Verify a contractor's insurance matches your local government's requirements.
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Ask contractors about coverage limits to know how much is covered.
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Frequently Asked Questions
Do I Need Insurance for DIY Roofing Projects?
No matter how skilled or prepared you are, you can never rule out the possibility of an injury or accident when tackling a DIY roof job, so it's a wise choice to get personal accident cover. This will be your financial safety net in case any injuries happen or damage occurs during your DIY roofing work.
Does the Roofer Service Charge Cover Insurance Costs?
In most cases, yes. A roofer's insurance costs money, and without insurance, they can't provide a service. So, it's pretty common for roofers to include insurance fees in their service charges. The charge of each contractor will vary, so it's always wise to shop around and request multiple quotes to find the best price that matches your budget.
How Do I Find a Reputable Roofer?
Official associations and agencies are your best bet. The Australian Roofing Contractors Association (ARCA) and the Metal Roofing & Cladding Association of Australia (MRCAA) are some brilliant places to look. Online directories, like CertifiedRoofing.com.au, are also great for finding top-rated roofers that are trusted by customers. When you're searching for a roofer, always check the reviews to see real customer experiences.