When the time comes for a new roof or a fix for an older one, you may be tempted to choose the company with the cheapest price or the one offering to get the job done the quickest.
Although a good price and a quick turnaround are important, it is crucial that you have competent roofers and ones that are properly insured. Here is why insurance is so important:
The risk of the home being accidentally damaged
Roofers need to have insurance to prevent the homeowner from having to foot the bill in case an accident occurs and property is damaged.
The risk of a worker being injured
It is crucial for roofing companies to possess workers’ compensation insurance so that injured roofers or their families do not attempt to sue the homeowner in order to get compensation for medical costs, for lost wages, or for other associated costs.
The risk of a homeowner or others in the household being injured
Roofing companies need to have liability insurance which protects them from this sort of risk. If they don’t, then the homeowner and/or his or her family could be stuck paying for all of the medical and associated costs of the injury themselves.
What You Can Do
When hiring a roofing contractor, ask about their Workplace Safety and Insurance Board (WSIB) certification and the liability coverage on their workplace insurance. This certification is mandatory by law, and must be held by the contractor to legally work as a roofing company. This certification protects and supports workers on the job if they were to receive an injury, and provides them with proper compensation.
If you are planning on hiring a roofing company, it is of paramount importance that you hire one with proper insurance coverage. If you don’t, then you could be exposing yourself and your family to enormous financial risks without even realizing it.
The team at Class Eh! Roofing have full liability and WSIB insurance to give you peace of mind in your roofing project no matter what it is. If you need our services please contact us for a free estimate today by filling out the contact form HERE.
Wayne Jeffreys is a native of Niagara-On-The-Lake and owner of Niagara based roofing company Class Eh Roofing!