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Roofers Insurance

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The roof above us is something the vast majority of us are lucky enough to benefit from, but give little consideration to. Considering shelter is one of the very basic needs we all have, it’s important that the roof of our home is weatherproof and durable. Of course, although a roof has a long working life, that life is not indefinite and at some point work is going to have to be done on it. At this point a roofing company needs to be chosen, but how can you avoid the cowboys?

Well there’s several ways you can do this. First of all, you can attempt to look them up on a trade association website. In the UK there are three well known one’s:

The National Federation of Roofing Contractors The Institute of Roofing Confederation of Roofing Contractors

In order to become a member of one of these associations, a contractor normally has to meet a required professional standard. This standard comprises holding relevant and correct roofing qualifications and specific insurance for roofers that provides a set minimum level of cover.

In the case of the NFRC, a roofer should be able to furnish a potential client with the following:

* An insurance backed guarantee. A written guarantee from the roofer themselves is all well and good, but if that firm should ever go bust, the cover will immediately cease. If the guarantee is backed up with insurance, then it will still stand even if that roofing company does go into dissolution. * Qualifications such as NVQ’s and City of Guilds. Also the Institute of Roofing provide some of their own technical qualifications which are recognised by the NFRC. * A minimum level of roofers insurance, or public liability insurance as it’s also known, to a level of 1,000,000. This is to cover any damage caused to a person or their property and any professional roofer will be more than willing to provide a customer with a copy of this upon request. In fact, on larger jobs where a company is sub contracted this is mandatory, and a contract will not be awarded until evidence of cover has been produced.

Should these documents be produced in a timely manner, then it’s a fair bet the firm is of a professional standard, and likely to do a good job on your behalf. That’s not to say there will never be any problems, but then that’s exactly what insurance is for. Accidents do happen occasionally, and a decent contractor will be adequately insured.

Matt Withers is marketing manager for Coversure Commercial who specialise in liability insurance for various contractors including roofing insurance.


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