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

When you hire a roofing contractor, 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?

Three Insurance Policies Every Roofer Must Carry

General Liability ($1M+ per occurrence), Workers' Compensation (covers all workers), and Commercial Auto ($1M coverage). Premium contractors like JRH carry $5M general liability, $10M aggregate, and $5M umbrella.

Why Workers' Comp Matters to YOU

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

How to Verify Contractor Insurance

Request a Certificate of Insurance. Call the insurer directly to verify it's active. Ask to be added as 'additional insured' (costs contractor $50-100). If they refuse, walk away.

JRH Construction provides insurance documentation upfront and adds you as additional insured at no charge. We serve Fort Worth, Dallas, Plano, Frisco, McKinney, Southlake, Highland Park, Westlake, Arlington, Irving, and surrounding DFW communities.