The Importance of Roofer Insurance Coverage

Most homeowners in the Tampa area know that insurance is required to pay for any roof repairs. Some homeowners don’t realize that roofing companies also require insurance. This is why roofing companies must have insurance.

There is a risk that a house could be accidentally damaged

Roofer jobs can be dangerous. Roof construction can include ladders, material being lifted onto roofs, materials being dropped from roofs, and more. There are many things that could go wrong when repairing or replacing a roof. Even the best roofing companies make mistakes. Roofers should have insurance in order to protect the homeowner from being liable for any damage or accidents.

There is a risk that a worker will be injured.

Roofers are so dangerous that approximately 50 people die each year in work-related accidents. Roofers also sustain many injuries each year. These injuries must be covered by workers’ compensation insurance. Workers’ compensation insurance pays for medical expenses that could be incurred as a result if an employee is injured on the job. It also covers lost wages caused by the injury.

Workers’ compensation may also cover legal fees in the event that an employee sues the company. It can also pay for funeral costs or death benefits for employees who die. It is essential that roofing companies have workers’ compensation insurance to ensure that roofers are not sued by their families for compensation for medical expenses, lost wages, and other related costs.

There is a risk that a homeowner or a family member of a homeowner could be injured.

Roofers are not the only ones who can be hurt by roofing work. Rooftop work can cause injuries to homeowners and their families. The homeowner could fall to the ground as a shingle falls, and it could strike him. This type of risk is covered by liability insurance. They must have liability insurance in order to protect the homeowner and their family from being liable for any injuries.


It is vital that you have proper insurance coverage if you plan on hiring a roofing contractor if you live in Tampa, Clearwater, or St.petersburg Florida. You could be taking on huge financial risks if you don’t have proper insurance.

You don’t want to cause more damage to your home by allowing a roofing accident to occur when your roof is being repaired after a storm or tornado. Hire only roofing contractors that have proper insurance. Hire Old Time Roofing!

This post was written by Ted Williams! Ted is the owner of A Old Time Roofing which offers roofing in St Petersburg FL. Ted is a Master Elite Weather Stopper GAF Roofing Contractor, a double award winner of Best Steep-Slope Contractor from GAF and achiever of Master Elite Consumer Protection Excellence from GAF. He has been serving the Pinellas County area since 1978.  Old Time Roofing has a tradition of quality workmanship, servicing residential and commercial properties.

the author