Roofing Insurance in Texas

What is roofing insurance?

The work that roofers do comes with certain risks. These risks aren’t limited to just job site injuries, but also include auto accidents, equipment theft, workmanship errors, and more. Roofing insurance may help roofers in Texas protect their businesses from many risks like these.

Roofing insurance is a specialized insurance solution for roofing contractors and their businesses. Policies usually protect against a range of property and liability risks that roofers face.

What roofing contractors in Texas is roofers insurance recommended for?

Roofers insurance is something that almost all roofers in Texas should have. Policies are available for residential roofers, commercial ones, and those specializing in tile, metal, or slate roofs. Not insuring can be costly if something happens.

Additionally, some customers will only hire roofers that are insured. This is especially common with commercial and government customers, but can also be a requirement when doing residential work.

Can roofers get temporary insurance for a single job?

While roofers insurance is something that most roofing contractors should have in place all the time, insurance agents who specialize in roofers insurance are aware that some contractors go uninsured.

In the event that a customer requires insurance and it’s not in place, a specialized agent can assist with finding coverage. They can likely find a policy for the immediate job. They can also assist in finding a feasible solution that’ll provide protection going forward.

What coverages can roofing policies come with?

While most roofing contractors need insurance, their coverage needs can differ. Roofing policies let contractors tailor coverages to their particular needs. Policies do this by offering a variety of liability and property coverage options.

Liability protections are mainly for situations where a roofer could be sued, such as if they were responsible for someone’s harm. There are several liability protections that policies normally offer:

Property protections are generally for the things that a roofing contractor’s business owns, in case covered items are damaged or stolen. 

• Commercial Building Coverage: Typically insures buildings that a roofing contractor owns, which might be an office, garage, or storage area. 
• Commercial Contents Coverage: Typically insures the equipment, tools, and materials that a roofing contractor has at their primary location.
• Inland Marine Coverage: Typically insures roofing equipment, tools, and materials as they’re taken to and from job sites.
• Builders Risk Coverage: Typically insures roofing equipment, tools, and materials when they’re at job sites, and might provide additional protections.
• Loss of Income Coverage: Typically insures against revenue losses that occur when a roofer can’t work due to a covered disaster (usually not injury).

Workers compensation is normally used to cover workplace injuries that employees sustain. This is strongly required in most situations, especially considering how risky roofing work can be.

An insurance agent who specializes in roofers policies can help roofing contractors sort through all of their coverage options.