How to Hire a Contractor - Proof of Insurance

Thursday June 6, 2013

By Christophor Jurin

Over the recent months your shingle roof system has started to lose some of the tabs during high winds. You have noticed that the shingles on your roof have started to curl at the corners. When cleaning out your gutters you notice that there are a lot of granules in the gutters. And now, you have a roof leak in the upstairs hallway. You now realize that it is time to replace your roof.

Hiring a professional roofing contractor

The thought of replacing the roof system on your home may appear to be a daunting challenge. One of the challenges in replacing your roof is identifying and choosing a competent and professional roofing contractor to complete the project for you should you decide not to replace it yourself. There are many contractors to choose from and finding reliable contractors can seem overwhelming.

One of the most important questions that you can ask when hiring a contractor prior to awarding them the project is about the type of insurance they carry to cover their operations. Insurance is a key element of operating a professional contracting business. It ensures that the contractor can financially cover a mishap that may take place on your premises.

The best way to ensure that the contractor carries the necessary insurance coverage is to request proof of insurance such as a sample certificate of insurance. A certificate of insurance, or COI, shows the coverage that the contractor carries as part of doing business. The coverage may include General Liability, Automobile and Worker's Compensation Coverage.

It is important to confirm that the potential contractor carries sufficient limits of insurance. This will give you peace of mind that your home or building is adequately protected should an incident occur while the project is taking place or after the project is completed. Any reliable contractors will be more than happy to supply you with proof of insurance.

A new roof for your home or building is a large investment. Make sure that you are protected.

Photo © Installation of new roof system on home.


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