Hiring a Roofing Contractor?

Hiring a roofing contractor is a major investment, but many homeowners focus solely on price without asking one of the most important questions: Is the contractor properly insured? Before signing a contract, every homeowner should verify that the roofing company carries both General Liability Insurance and Workers' Compensation Insurance. These coverages don't just protect the contractor—they protect you.

What Does General Liability Insurance Cover?

General Liability Insurance protects homeowners if a contractor accidentally causes damage while working on your property.

For example, if roofing materials damage your siding, landscaping, windows, or even a neighboring property, the contractor's liability insurance is designed to help cover those costs. Without this coverage, you could find yourself involved in costly legal disputes or paying for repairs out of your own pocket.

Why Workers' Compensation Matters

Roofing consistently ranks among the most hazardous professions. Falls, equipment accidents, and injuries can happen despite the best safety practices. Workers' Compensation Insurance provides coverage for an employee's medical expenses and lost wages if they're injured on the job. If your contractor does not carry Workers' Compensation insurance, you may become financially responsible for costs associated with an injury that occurs on your property.

Potential liabilities can include:

• Medical bills
• Lost wages
• Legal expenses
• Court judgments
• Ongoing financial obligations

These expenses can quickly become overwhelming and far exceed any savings you may have received by hiring a lower-priced contractor.

Don't Be Afraid to Ask

A reputable roofing contractor should have no problem providing proof of current insurance coverage.

Before work begins, ask for:

• Certificate of General Liability Insurance
• Certificate of Workers' Compensation Insurance
• Confirmation that both policies are active and current

Professional contractors expect these questions and understand why they're important.

Peace of Mind Is Worth It

Choosing a fully insured contractor isn't just about checking a box—it's about protecting your home, your finances, and your future.

At Rodd Roofing, we believe transparency builds trust. We carry the proper insurance coverage required to protect both our employees and our customers, so you can feel confident from the first consultation through project completion. Whether we're replacing a residential roof or completing a commercial roofing project, our commitment to professionalism includes doing the job safely and responsibly.

Protect Your Investment and Financial Well-Being

Before hiring any roofing contractor, ask for proof of insurance. It's one of the simplest steps you can take to protect yourself from unnecessary financial risk. If you're planning a roofing project in Vermont, contact Rodd Roofing today to learn how our experienced, fully insured team can help protect your home with quality workmanship and complete peace of mind.