What Do Roofing Policies Often Leave Out?

The roofing industry is both rewarding and risky. Each project undertaken comes with its unique set of challenges, and while seasoned roofers might have their techniques mastered, there's another equally crucial aspect to consider: roofers insurance. But policies differ, and gaps are easy to miss. This article looks at the world of roofing insurance, highlighting potential pitfalls and providing insights on checking what your roofing business is actually covered for.

Why roofing cover matters

In an industry where heights, heavy equipment and the weather play a part every day, insurance matters. Roofing insurance can help protect both the roofer and the client from potential hazards. Whether it's an accident on the job, damage to property, or any unforeseen incidents, having roofers insurance acts as a safety net for your business. For a more detailed look at the many risks of operating without tradies insurance, read about the risks of working without insurance.

What public liability does for roofers

One of the pillars of roofing insurance is public liability insurance for roofing contractors. This specific type of insurance is designed to cover legal liabilities should a third party (like a client or passerby) suffer an injury or property damage because of your roofing operations. For instance, if a misplaced tile falls and damages a car or injures someone, public liability insurance can cover the resulting costs, legal or otherwise, up to the limit in the policy.

Common gaps in roofer insurance policies

Despite the critical nature of roofers insurance, many policies have gaps that can leave businesses exposed. Some of these common gaps include:

• Subcontractor Liabilities: If you're using subcontractors, it's essential to check they are also covered. Some policies don't cover this, leaving the primary contractor liable for any subcontractor mishaps.
• Tool and Equipment Coverage: Roofers use specialised tools and equipment. While damage to a client's property might be covered, damage or theft of your tools might not be.
• Completed work: Some policies might not cover problems that show up after a job is finished, such as leaks or structural damage.
• Height Limits: Some policies set a maximum working height, or conditions such as edge protection or harnesses above a certain height. Tell the insurer the highest roofs you work on, including multi-storey jobs.
• Hot Work: Many insurers ask about hot work, such as torch-on membranes and soldering, because of the fire risk, and some policies set conditions, such as a fire extinguisher on hand. Leaving it out could mean a claim from hot work is reduced or refused.
• Open Roofs in a Storm: Policies differ a lot on rain getting into a client's home through a roof you have opened. Some need the roof made watertight at the end of each day, and some limit or exclude it.

Read more about these questions on our roofers insurance page.

How to identify and bridge these gaps

To check what your roofing business is covered for, it's essential to:

• Conduct a Thorough Review: Periodically review your policy with a fine-toothed comb. Understand every clause, especially the exclusions.
• Talk to a Broker: An insurance broker who works with roofers can explain what a policy covers and what it leaves out, and compare policies from insurers. Tradies365 brokers ask about the work you do before asking insurers to quote.
• Educate Your Team: Make sure that everyone, from your core team to your subcontractors, understands the importance of insurance and the coverage specifics.

The aftermath: handling a roofer insurance claim

Should the unfortunate happen, and you find yourself needing to make a roofer insurance claim, following the right steps is crucial:

• Document Everything: From photos of the damage to written accounts of what happened, the more evidence you can provide, the easier it is for the insurer to assess the claim.
• Notify Your Insurer as Soon as Possible: Tell your insurer, or your broker, about the incident straight away. Most policies require prompt notice.
• Seek Expert Assistance: Engage with professionals to assess the damage and understand your rights and responsibilities regarding the claim.

While the roofing business can be rewarding, it's equally fraught with risks. Making sure that you're not just insured, but properly insured, is pivotal. From understanding the intricacies of roofers public liability insurance to being aware of common policy gaps, being proactive in your insurance efforts can save you from significant headaches and financial setbacks down the road. Always remember, it's not just about having insurance; it's about having insurance that fits the work you do. At Tradies365, our brokers look at the work you actually do and ask insurers to quote on the cover you ask for. Give us a call during business hours, Monday to Friday, 9am to 5pm, to talk through your roofers insurance.