Roofing Contractors

Full List of Construction & Contracting Services

Roofing is considered one of the highest-risk trades due to the constant exposure to height, weather-related vulnerabilities, and the use of open flames. Because a roofing failure almost always leads to secondary water damage, Roofing insurance is designed to address the critical risks of "open roof" exposure and fire hazards, subject to the terms, conditions, exclusions, and limitations of the policy issued.

1. General Liability & Water Intrusion

The most frequent claim for roofers occurs when a partially completed roof is left exposed during a rainstorm. Coverage is structured to address the resulting interior damage to a client’s property (drywall, electronics, flooring) caused by water ingress.

2. Hot Work & Fire Liability

For commercial roofers using torches for "torch-down" (modified bitumen) roofing, the fire risk is extreme. Policies address claims for property damage or total building loss caused by accidental fires ignited during the heating of roofing membranes.

3. Height & Fall Protection Compliance

Due to the dangerous nature of the work, roofing policies often have strict "Action Over" or "Labor Law" considerations. Coverage provides for the legal defense and settlements if a worker falls, particularly in states with strict liability laws regarding gravity-related accidents.

4. Product Liability & Warranty Work

Roofing systems are expected to last decades. This coverage addresses claims if a roof fails prematurely due to poor workmanship or installation errors, causing damage to the structure beneath. This is often distinguished from a manufacturer's material warranty.