When hiring a roofer, most homeowners focus on:

• price
• reviews
• how quickly someone can attend

But one of the most important things to check is often overlooked:

Insurance.

If something goes wrong during roofing work and the contractor isn’t properly insured, it can quickly become stressful and expensive.

Here’s a simple breakdown of the main types of insurance homeowners should know about.

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1. Public Liability Insurance

This is the big one.

Public liability insurance helps cover accidental damage or injury caused during roofing work.

For example:

• damage to your property
• tiles falling onto a neighbour’s car
• accidental injury during the job

A legitimate roofer should normally have public liability insurance in place.

If someone avoids the question completely or becomes defensive when asked, that can be a warning sign.

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2. Employer’s Liability Insurance

If a roofing company has employees or labourers working for them, they may also need employer’s liability insurance.

This helps cover injuries involving workers on site.

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3. Ask For Proof — Not Just Verbal Reassurance

A lot of homeowners simply hear:

“Yeah, we’re insured.”

But it’s completely reasonable to ask for confirmation.

A reliable roofer should normally have no issue providing evidence of insurance if requested.

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4. Insurance Doesn’t Automatically Mean Quality

This is important.

Having insurance does NOT automatically mean:

• the workmanship is good
• the roofer is reliable
• communication will be smooth

It’s just one part of the picture.

Homeowners should also look at:

• previous work
• customer reviews
• communication
• professionalism
• clarity of quotes

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5. Be Careful Of “Too Cheap” Quotes

Extremely cheap roofing quotes can sometimes be a red flag.

In some cases, homeowners later discover:

• corners were cut
• materials were poor quality
• no insurance was actually in place
• the roofer disappeared after payment

Choosing a roofer shouldn’t feel like a gamble.

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How National Roofing Group Helps

National Roofing Group helps connect homeowners with local roofers after carrying out initial checks.

Before making introductions, we may review things such as:

• public liability insurance
• customer reviews
• previous work
• communication and reliability