Why Your Roofing Contractor's Insurance Matters More Than Their Price

When you hire a roofing contractor, you're not just buying materials and labor. You're placing a bet on whether that contractor can protect you from liability. Most homeowners focus on the estimate. They should be asking: What happens when something goes wrong?

The Three Insurance Policies Every Roofing Contractor Must Carry

1. General Liability Insurance

Covers property damage and bodily injury caused by the contractor's work. Minimum coverage: $1 million per occurrence, $2 million aggregate. Premium contractors carry $5 million or more.

2. Workers' Compensation Insurance

If an uninsured worker falls off your roof, they can sue YOU. Your homeowner's insurance may deny the claim because you hired an uninsured contractor. In Texas, homeowners have been held liable for six-figure medical bills.

3. Commercial Auto Insurance

Covers damage caused by contractor vehicles on your property. Many contractors use personal vehicles without commercial coverage, which excludes work-related accidents.

The JRH Construction Insurance Standard

At JRH Construction, we maintain coverage that exceeds industry standards: $5 million general liability, full workers' compensation for all employees and subcontractors, $1 million commercial auto, and a $5 million umbrella policy. We provide Certificates of Insurance on request and add you as additional insured at no charge.

How to Verify a Contractor's Insurance

Request a Certificate of Insurance. Call the insurance company to verify it's active. Ask to be added as additional insured on their policy. Any hesitation on these questions is a red flag.

Ready for a Contractor Who Does It Right?

JRH Construction provides insurance documentation upfront, adds you as additional insured at no charge, and maintains coverage that exceeds industry standards. Schedule a complimentary consultation to discuss your roofing project.