Why Contractors Are Required To Have Insurance

You should always check if a roofing company has the minimum qualifications and requirements—a state license and workers’ and liability insurance—before hiring them. Why do roofing contractors need to have workers’ insurance? 

Why Contractors Are Required To Have Insurance

Why Worker’s and Liability Insurance Are Needed

Worker’s insurance protects you from legal liabilities in case a worker gets injured on your property while liability insurance protects you from having to pay for mistakes made by contractors. 

Verifying the Validity of a Contractor’s Insurance

When you meet your contractor, don’t forget to ask for a copy of their insurance certificate. It’s highly recommended that you verify its validity afterward. In general, the coverage amount of a standard liability insurance policy should be anywhere between $1 million and $5 million. 

Vetting Tips  

In addition to checking their basic qualifications, you should: 

  • Check a contractor’s online reviews – Keep in mind that a few negative reviews aren’t necessarily a red flag. Miscommunication happens sometimes, after all. In these cases, what you need to focus on is the contractor’s response to online complaints. Did the company take the time to respond to customer complaints? And if so, was it done in a professional manner? 
  • Ask them where their office is located – Hiring local roofing companies has several advantages. For starters, since they’re familiar with the local climate and building codes, they can make better recommendations. Not to mention they’re known for their personalized service. Remember: A home improvement project is essentially a collaboration between you and your contractor, which is why it’s vital that you hire someone you can easily get along with. 
  • Find out how long they’ve been in business – The number of years a contractor has been working in the industry should give you a good idea of their level of expertise. 

Kroll Construction is one of the most experienced roofing companies in the Detroit area, having served local residents since 1961. To request a quote, call us at (888) 338-6340 or fill out this form. We serve homeowners in Detroit as well as the surrounding MI communities. 

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