What Happens If A Roofer Doesn't Have Insurance?
Hiring a roofer is a big decision, and while most homeowners focus on price and reviews, one thing is often overlooked: insurance.
If something goes wrong during the work and your roofer isn’t properly insured, you could find yourself facing unexpected costs and unnecessary stress.
Here’s why insurance matters.
What Insurance Should A Roofer Have?
A professional roofing contractor should normally have Public Liability Insurance.
This helps protect against claims if the work causes damage to your property or someone is injured as a result of the work being carried out.
Many roofing businesses also carry other types of insurance depending on the size of their company and whether they employ staff.
What Could Happen If They Aren’t Insured?
Damage To Your Property
Roofing work involves working at height, heavy materials and specialist tools.
Accidents can happen.
If tiles are dropped, gutters are damaged or neighbouring property is affected, insurance can help cover those costs.
Without adequate insurance, resolving the issue can become much more complicated.
Injury On Your Property
Roofing is one of the highest-risk trades in construction.
If someone is injured while carrying out work at your home, having the correct insurance in place provides protection should a claim arise.
You Could End Up Paying Twice
If work isn’t completed properly and there’s no insurance to support resolving problems, homeowners can sometimes find themselves paying another contractor to put things right.
That’s an expensive lesson nobody wants.
How Can You Check?
Don’t be afraid to ask.
A reputable roofer should have no issue confirming they have appropriate insurance and providing evidence if requested.
It’s also worth asking:
- Is your insurance current?
- What type of work does it cover?
- Does it include public liability?
Professional contractors understand why homeowners ask these questions.
Insurance Isn’t The Only Thing That Matters
Insurance is important, but it should be considered alongside other factors, including:
- Previous roofing work
- Clear communication
- Positive customer feedback
- Transparent quotations
- Professional approach to enquiries
Choosing a roofer shouldn’t come down to price alone.
How National Roofing Group Helps
At National Roofing Group, we don’t carry out roofing work ourselves.
Instead, we speak with local roofers before making introductions and look for signs of professionalism, including appropriate insurance, previous roofing work, communication and customer feedback.
While no introduction can guarantee your experience, carrying out initial checks helps homeowners feel more confident when choosing who to contact.
Need Roofing Help?
If you’re looking for a local roofer and want to reduce the risk of choosing the wrong one, get in touch with National Roofing Group today. We’ll help connect you with a local roofing professional after carrying out our initial checks.