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How to Verify if Your Roofer is Fully Insured Before Hiring Them

Hiring a roofer is a significant decision that requires careful consideration of various factors, with insurance coverage being a top priority. A fully insured roofer not only protects their interests but also provides peace of mind for homeowners. In this article, we’ll guide you through the essential steps to verify if your roofer is adequately insured before finalizing any roofing project.

  1. Ask for Proof of Insurance:
    • The first and most direct way to verify a roofer’s insurance is to ask for proof. Reputable roofing professionals will readily provide copies of their insurance certificates. Look for coverage in general liability, worker’s compensation, and if applicable, commercial auto insurance.
  2. Check the Validity of the Insurance:
    • Once you have the insurance certificates in hand, take a moment to verify their validity. Check the expiration dates and ensure that the coverage is current. Outdated or lapsed insurance could leave you vulnerable to potential liabilities.
  3. Verify General Liability Insurance:
    • General liability insurance protects you and your property from any damage caused by the roofing activities. Confirm that the roofer’s general liability insurance is adequate for the scope of the project and that the coverage amount is appropriate.
  4. Worker’s Compensation Coverage:
    • Worker’s compensation insurance is crucial in case a roofer or their crew sustains injuries while working on your property. Verify that the roofer has this coverage to avoid being held liable for any workplace injuries that may occur.
  5. Commercial Auto Insurance (if applicable):
    • If the roofing project involves the use of vehicles for transportation of materials or equipment, ensure that the roofer has commercial auto insurance. This coverage protects against any accidents or damages involving their vehicles.
  6. Contact the Insurance Provider:
    • Take the extra step of contacting the insurance provider listed on the certificate. This ensures that the policy is valid, in force, and covers the specific aspects mentioned in the certificate.
  7. Check Online Reviews and Ratings:
    • Online reviews and ratings can offer insights into the reliability and professionalism of a roofing company. Look for feedback related to insurance claims and how well the company handled any incidents.
  8. Consult with Your Insurance Agent:
    • Reach out to your own homeowner’s insurance agent to gain a better understanding of the kind of coverage you might need for your roofing project. They can offer guidance on the minimum insurance requirements for contractors in your area.


Verifying a roofer’s insurance is a critical step in ensuring a smooth and protected roofing project. By requesting and confirming proof of insurance, checking the validity and coverage amounts, and consulting with insurance professionals, you can safeguard yourself from potential liabilities. A fully insured roofer not only demonstrates their commitment to safety but also provides you with the confidence that your home and investment are protected throughout the roofing process.

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