The roof is one of the most critical components of your home, protecting you and your loved ones from the harsh elements. Choosing a reliable roofing company helps you keep your roof in great shape. However, the wrong one can cause frustration.
Here are four compelling reasons to walk away from an uninsured roofing company:
- Personal Liability Risks. Roofing is a high-risk job. In most Canadian provinces, you could be held liable for medical expenses and other costs if an uninsured roofer gets injured on your property. If the roofing company doesn’t have liability insurance and causes damage to your property, you might be out of pocket for repairs.
- Questionable Quality and Professionalism. Building codes and roofing regulations vary. Choosing a roofer who adheres to the National Building Code of Canada or specific provincial codes is essential, reflecting their commitment to quality and safety. A lack of insurance might indicate the roofing company needs to be licensed or does not meet industry standards.
- No Workers’ Compensation. Most provinces require roofing companies to have Workers’ Compensation Board coverage. This protects you from being liable for a worker’s lost wages and medical bills if injured. Choosing a company that has the proper insurance ensures that the workers are treated fairly and protected.
- Potential for Future Legal and Financial Issues. Engaging with an uninsured roofing company can expose you to various legal issues. This is because certain home insurance policies and roofing material warranties mandate the use of insured contractors. In other words, using an uninsured roofer might void these warranties, leaving you unprotected.
While an uninsured roofing company might offer lower quotes, the potential costs, risks, and legal implications far outweigh any initial savings. Always ensure the roofing company you choose is fully insured. Do you need a roofing company you can count on? Give us a call.
