What to ask Charlotte metal roofing companies about insurance

Charlotte metal roofing companiesFinding the best Charlotte metal roofing company

Getting a metal roof is important to Charlotte businesses. It’s important to find Charlotte’s best roofing company and also make sure they are insured. As a matter of fact, you should be asking this question of every home-improvement contractor. These are crucial types of insurance coverage that you should verify, before anyone is ever allowed to work on your home. Repairing or replacing your roof is a significant expense… do not let a home improvement project expose you to catastrophic financial loss.

Liability insurance

Liability insurance protects the contractor and the homeowner from damages caused to you and your neighbor’s property; or injuries caused to you, your family, or guests when the contractor is working on your home. Liability insurance is relatively inexpensive, even for small companies or new contractors without much of a track record. Never take a company at its word, ask for a copy of their in force certificate, and consider it a deal breaker if they do not have insurance.

Workers’ compensation insurance

Workers’ compensation insurance protects the contractor and the homeowner, in the event that a worker gets injured on the job. This insurance covers injured workers for the cost of medical care, lost wages, and other damages that results from their on-the-job injury. Company rates are based on the likelihood of workers being injured on the job. Roofing is a relatively high-risk occupation, so workers’ comp insurance for roofing companies is expensive. In addition, individual company premiums for workers’ comp can be affected by their years of experience and track record for injuries.

Because workman’s comp insurance is expensive, many roofers, especially smaller contractors, do not provide it for their employees. This places the homeowner at risk because if a worker is injured while working on your property, that worker can sue the contractor and the home owner for lost wages, health care costs, and other damages as a result of their injury.

If the contractor does not have workers comp insurance, chances are great that you could find yourself as a defendant in a lawsuit. Just as with liability insurance, ask prospective contractors to provide you with their certificates of insurance for workers’ compensation including coverage amounts. Do not hesitate to call the insurance company listed on the certificate to verify that the policy is current and in good standing. Ask the company for a certificate to be generated that shows your name and address.

Metal roof installer in Charlotte, NC

After you chosen to install metal roofing on your home, you will need to find a reliable and trustworthy contractor who has the skill and the experience to give you the best roof possible. Advanced Roofing and Exteriors has been installing roofs in the Charlotte, NC and the surrounding areas for over 20 years. They are fully licensed, insured and bonded. Advanced Roofing and Exteriors is a family owned, full service roofing company that specializes in metal roofs, as well as many exterior home improvement projects. Call their office today for a free estimate from one of the most experienced Charlotte metal roofing companies.