Understanding Roofing Contractor Insurance

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When selecting a roofing contractor, ensuring they have the proper insurance is crucial for protecting your investment and mitigating risk. At United Contracting & Roofing LLC in Greenville, SC, we prioritize safety and comprehensive insurance coverage to provide our clients with peace of mind. Here’s why insurance matters when choosing a roofing contractor.

The Importance of a Certificate of Insurance (COI)

What is a COI?

A Certificate of Insurance (COI) is a document provided by the contractor’s insurance broker, representing the insurance coverage they carry. However, the insurance policy itself dictates the terms and conditions of any payments that might be made, making it essential to understand the details of the coverage.

Verifying the COI

When you receive a COI, ensure it includes:

General Liability Insurance: Covers property damage and bodily injury claims.
Workers’ Compensation Insurance: Protects you from liability if a worker is injured on your property.
Commercial Auto Insurance: Covers any vehicles used by the contractor during the project.
Umbrella Policy: Provides additional coverage beyond the primary insurance policies.

Avoiding Loopholes

Not all COIs are created equal, and some may have loopholes that limit coverage. To avoid these issues, verify the contractor’s insurance details and confirm they meet the necessary requirements. Ask for a copy of the actual insurance policy if needed to ensure comprehensive coverage.

Benefits of Hiring an Insured Contractor

Financial Protection

Insurance provides financial protection in case of accidents, property damage, or injuries during the roofing project. Without proper insurance, you could be held liable for any incidents, leading to significant financial burdens.

Compliance with Legal Requirements

Hiring an insured contractor ensures compliance with legal requirements and industry standards. This not only protects you from potential legal issues but also ensures the contractor operates professionally and ethically.

Peace of Mind

Knowing your contractor is fully insured offers peace of mind, allowing you to focus on the project without worrying about potential risks. This confidence in your contractor’s ability to handle unexpected issues is invaluable.

Why Choose United Contracting & Roofing LLC?

Comprehensive Insurance Coverage

At United Contracting & Roofing LLC, we carry comprehensive insurance that exceeds basic requirements. Our coverage includes general liability, workers’ compensation, commercial auto, and an umbrella policy, ensuring complete protection for our clients.

Commitment to Safety

We prioritize safety in all our projects, adhering to strict safety standards and protocols. Our commitment to safety minimizes the risk of accidents and ensures a secure working environment for our team and your property.

Exceptional Service

Our dedication to Experience, Quality, and Service means you can trust us to handle your roofing needs professionally and efficiently. We strive to provide the best possible experience for our clients, backed by our robust insurance coverage.

Conclusion

Choosing a roofing contractor with the right insurance is essential for protecting your investment and ensuring a smooth, worry-free project. At United Contracting & Roofing LLC, we provide comprehensive insurance coverage and prioritize safety, offering our clients the confidence and peace of mind they deserve.If you want to know Myth vs. Reality: Addressing Concerns About TPO Roofing, click here.

Taking care of your roof may not seem fun, but catching problems early on could save you both time and money in the long run. Leaky roofs can cause damage within your walls and leave you and your family with headaches to fix the damage. Determining the cost for roof repair or replacement can depend on a variety of factors. Having a trusted professional assess the damage and prepare an estimate for you can save you time, money and stress in the long run!

The first question to ask when it comes to roof repair is how old is your roof? And have you ever had to repair sections of your roof before? Older roofs do tend to need more maintenance and care as they could be more prone to leaks.

The second thing to think about is if you have had any storms recently. Difficult weather and storms add a lot of wear and tear on your roof whether it’s a new roof or not. Hail and hard rain can cause extensive damage to your home.

Lastly, have you seen any bubbles in your ceilings? This can be the first visual sign that there is damage or a leak in your roof. At this point you don’t want to wait. Finding out the damage on your roof and getting it repaired could save you thousands of dollars in the future.

If you are concerned about any of the items above and want experts to review the damage, we offer free inspections! There is no need to wait until you know there is a huge problem.

Damaged roofs take a toll on the whole family, and we are here to take the stress out of any problem you face by starting with a free inspection.

If there is no lasting damage that needs repaired, we will tell you. If there is, rest assured that the project will be completed to your satisfaction!

One of the biggest hassles we see families face when repairing their roof is working with insurance companies. Because of this, we have expert representatives who review the insurance claims and meet with your insurance adjuster so you don’t have to.

Don’t wait until there is lasting damage from your leaky roof. We are here to make the process as easy as possible.

Contact us today to schedule your free inspection!

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