Considering the Issue of Insuring Your Roof – How Does Roofing Insurance Work?

When it comes to roofing, as with every type of construction and renovation work, you can never be too careful as to whether or not the work being done at your home is entirely safe. For residential homeowners, making sure that the expert in roofing Highlands Ranch CO they hire has the right type of roofing insurance can be very important in the event that an injury occurs or there is a problem leading to the property being damaged.

There are mainly two types of insurance that roofers need to have: general liability and worker’s comp. The first one has to do with the repair or replacement project involves unforeseen damage to the homeowner’s property. If your roofer has a good general liability insurance policy, then you won’t have to worry about your property being damaged by mistake, since the insurance will cover any damages.

Worker’s compensation insurance, on the other hand, is similar as it is in other lines of work, as workers are covered by it when they fall ill or get injured on the job. If your roofer has worker’s comp, you and their employer won’t be held liable for any accidents they might have while working on your property, and they will be offered compensation as they recover from their injuries.