When you are seeking cover for your roof, you have a lot of things to consider, and getting insurance/ protection for your roof which isn’t always going to be as simple as it sounds. So, let’s take a closer look at what you need to think about.
Many people believe basic home insurance plans cover their roof, but this is not always going to be the case. Because a roof is often considered to be one of the strongest parts of a home, many insurance plans tend not to bother including it.
Which means if you want to get cover for your roof, you need to be more careful to ensure it is covered. While home insurance cover can include your roof, it might be more challenging to find a plan willing to cover it.
If your roof is quite old or has suffered damage in the past even if it’s just a small leak, many insurers will refuse to cover it under their standard home insurance plan. However, that doesn’t mean they won’t cover it at all; it just means you might need to pay extra to get it included.
Or an insurer might offer you a specific plan just for your roof. So, when looking for a cover for your roof, you need to consider what your insurer offers carefully. What damage are they willing to cover precisely?
Just serious damage or will they cover things like leaks and damaged slates as well? You also need to check to ensure they are covering the full cost of repairs as well. Some insurers might only cover partial costs of the repairs depending on what the damage/ cause of the damage is.
Insurance Considerations When Hiring A Roofer
Remember, when looking for roofing companies, you should always do your research to ensure you are working with a fully insured, qualified professional as well. This means there are insurance concerns you need to consider as well.
Many people don’t realize that roofers/ roofing companies need to be adequately insured before they can work on your roof. Or they do know but take it for granted and don’t check up on it or ask about it.
While this is an understandable issue, it’s your responsibility to ensure any roofer/ roofing contractor has the necessary insurance. So, what insurance do roofers need? They will need two, namely workman’s compensation and liability insurance.
Workman’s compensation protects you the homeowner if someone is injured while working on your roof. While the liability insurance protects you from any damage caused by the roofers during the roofing work. So, always ensure you ask any potential roofers about their insurance and ask to see the evidence.
Don’t be embarrassed or think you shouldn’t ask because you don’t want to risk working with roofers who don’t have these essential insurance plans. If you do, you could easily end up paying a lot of money if someone is injured and you have no protection if your home is damaged.