Roofing
Why Roofing Carries Higher Insurance Requirements
Roofing is consistently ranked among the most dangerous occupations in the construction industry. Working at heights, handling heavy materials, and exposure to weather extremes create substantial risk for both workers and property.
Because of these elevated risks, roofing contractors often face higher insurance premiums and stricter underwriting requirements. Finding the right coverage at a manageable cost requires working with insurers who understand and specialize in roofing operations.
The Real Dangers Roofers Face Daily
Falls remain the leading cause of death in the roofing industry. Beyond falls, roofers face risks including:
- Heat illness from working in direct sun during summer months
- Burns from hot tar and torches used in commercial roofing
- Injuries from nail guns, cutting tools, and heavy equipment
- Damage to customer property from dropped materials or equipment
Essential Coverage for Roofing Operations
Roofing contractors need robust insurance programs that address their specific exposures:
- Workers' compensation: Critical given the high injury rates in roofing; required by most states
- General liability: Covers property damage and injuries to non-employees
- Completed operations: Addresses leaks and damage that appear after job completion
- Commercial auto: Covers trucks carrying materials and debris
- Equipment coverage: Protects lifts, compressors, and specialty roofing equipment
What If a Roof Leaks After I Complete the Job?
Completed operations coverage is particularly important for roofers. When a roof you installed develops a leak months later, the property owner will look to you for repairs and any resulting damage.
A roofing crew completed a residential re-roof in October. The following spring, melting snow revealed flashing that wasn't properly sealed. Water entered the attic, damaging insulation and causing ceiling stains throughout the home.
Without completed operations coverage, claims like this come directly out of your pocket.
Weather, Seasons, and Regional Considerations
Roofing contractors across different regions face varied challenges. Coastal contractors deal with hurricane preparation and damage repair surges. Those in northern climates navigate ice dam issues and limited working seasons. Southern roofers manage extreme heat conditions that affect both workers and materials.
Your insurance should reflect the regional conditions where you operate. Discuss your specific location and climate factors with your insurance provider to ensure you have appropriate coverage.