Going over your roofer’s insurance policy may seem like an intimidating task, but it’s an important one. Whether you’re looking to hire a contractor for a one-off job or you want to do long-term business with them, you should have an idea about the extent of their insurance coverage.
In this article, roofing and kitchen remodeling company RX. Renovation Xperts LLC lists four elements that you should look for in your roofer’s insurance coverage.
Limitations of Coverage
Make sure the limits and minimums for coverage are clearly stated in your roofer’s insurance policy. If you have questions or you need clarification, don’t hesitate to talk to them about it. Typically, commercial clients are the most meticulous regarding this aspect. But if you’re a private homeowner looking to hire a contractor, there’s no reason why you shouldn’t be just as fastidious.
Property protection comes in a variety of forms. There are clauses specifically covering re-roofing or roof repair, while other types of coverage are meant for initial roof construction. Sometimes roofers have an open roof coverage, which protects the property as a whole during a contracted job. Check the jobs specifically covered by the contractor’s insurance so that you can be sure your property will be covered for the job that’s going to be done there.
This is also something that corporate clients are more concerned with since this feature enables roofing companies to add their clients as additional insured. This is ideal if you’re keen on building a long-term business relationship with a roofing contractor.
A business liability insurance protects your roofer’s company and covers for costs incurred due to property damage or work-related injuries. It’s a standard requirement for various roofing businesses, whether they’re specializing in re-roofing, new roof construction or both.
For over 30 years, RX. Renovation Xperts LLC has been one of the most reliable interior renovation companies in the area. Our staff is trained and experienced in performing flawless installations and providing superb customer service. Call us at (202) 315-0744 or fill out our contact form to request a free estimate. We serve customers in Washington, DC, and nearby areas.