Key Takeaways

• Insurance protects homeowners from financial surprises. Property damage, injuries, or a half-finished roof? Not your problem—if your contractor is insured.
• Only hire insured contractors. General liability, workers’ comp, and builder’s risk are musts—not “nice-to-haves.”
• No proof of insurance? No deal. A real pro won’t blink before showing coverage. If they hesitate, that’s your cue to walk.
• At Apex, we’re fully insured, so you get stress-free roofing and zero financial risks—just how it should be.

Why Hiring an Insured Roofing Contractor Matters

Roofing isn’t a walk in the park—think ladders, power tools, and a whole lot of “don’t look down.” Accidents happen, but guess who’s stuck with the bill if your roofer isn’t insured? YOU.

No coverage? That dented car, leaky ceiling, or injured worker can come straight out of your pocket. Not exactly the home improvement vibe you were going for. The fix? Hire an insured contractor.

It’s the difference between “all good!” and “oh no…”.

Apex Restoration & Roofing: Your Roofing Specialists in Colorado Located in Englewood, Colorado, Apex Restoration & Roofing offers expert residential and commercial roofing services. With over 27 years of experience, we specialize in roof replacements, repairs, and storm damage restoration, using only the highest quality materials. Our A+ BBB rating and a 5-star rating on Google from satisfied customers ensure your project meets the highest standards of quality and satisfaction. See the Apex difference today!

Why Your Roofing Contractor Must Be Insured

• Protects Your Home: If they damage your property, their liability insurance pays for it—not you.
• Protects Your Wallet: No workers’ comp? A worker gets injured, you can be on the hook for medical bills.
• Protects Your Sanity: An insured roofer = a real professional, not some guy with a ladder and a dream.

Rule #1: No proof of insurance? No deal. A legit contractor will show you coverage without hesitation.

Types of Insurance Every Roofing Contractor Should Have

1. General Liability Insurance: Your Shield Against Costly Mistakes

Why It Matters to You:

Roofers are pros, but they’re not superheroes. If a falling hammer smashes your skylight or dents your car, who pays? If they have General Liability Insurance, they do. If they don’t? Surprise—it’s you.

2. Workers’ Compensation Insurance: Protects You from Lawsuits

Why It Matters to You:

If a roofer falls off a ladder on your property, you’d think their employer will cover the medical bills, right? Not if there’s no workers’ comp. No coverage means you can be sued for their hospital stay.

3. Commercial Auto Insurance: What If Their Work Truck Hits Your Car?

Why It Matters to You:

Contractors drive big trucks loaded with heavy materials—not exactly a Prius doing a Target run. If their truck backs into your fence, driveway, or mailbox, Commercial Auto Insurance makes sure you’re not left fixing the damage.

Red Flag Alert: If their work truck is only covered by personal insurance, good luck getting a claim paid.

4. Builder’s Risk Insurance: Protects Your Roof During Construction

Why It Matters to You:

What happens if a storm trashes your half-finished roof? Without Builder’s Risk Insurance, you may end up paying for the damage. With it, the contractor’s policy covers the mess.

Red Flag Alert: No builder’s risk? That’s building a house with no front door. If disaster strikes, you’re left exposed.

5. Tool & Equipment Insurance: Keeps Your Project Moving

Why It Matters to You:

If a contractor’s tools disappear overnight, guess what happens? No tools = no work. But with Tool and Equipment Insurance, they replace stolen gear fast—without delaying your roof.

How to Check If Your Contractor Is Actually Insured

So you’ve asked your roofer if they have insurance. Great! But don’t stop there—verify it.

• Ask for Proof: A real contractor won’t hesitate to show their insurance certificate. If they dodge the question? That’s a red flag.
• Check the Coverage: Look for General Liability and Workers’ Comp. If they only have one? Not good enough.
• Verify It’s Active: Call the insurance provider to confirm the policy is current—an expired policy is as good as no policy.

Bottom Line: Trust, but verify. Any legit roofer will gladly hand over proof of insurance—no excuses.

No Insurance? No Deal

Hiring a roofer is all about pricing, promises, and not getting stuck with a financial nightmare. Your contractor’s insurance should cover accidents, injuries, and roof mishaps—so you don’t have to.

Always ask for proof of insurance. A genuine contractor won’t blink before showing it. If they hesitate? That’s your cue to run. Your home deserves a professional, not a liability. Choose wisely, and make sure your contractor is covered—so you are, too.

Roofing Done Right—Insured, Safe, & Hassle-Free

At Apex, we protect homes. That’s why we’re fully insured, so you’re never stuck paying for damage or accidents.

“Robert Lopez and Apex Roofing did a fantastic job replacing my roof after a hail storm. Robert dealt with the insurance company flawlessly and made the process simple. Robert is very knowledgeable and quickly answered my questions and concerns throughout the entire project. I highly recommend Robert and Apex.” – Andrew H.

Need storm repairs or a full replacement? Get a free consultation today, and let’s get your roof done right—safely and stress-free. Call us now or schedule your quote online!

Frequently Asked Questions (FAQ)

What types of insurance should my roofing contractor have?

• General Liability Insurance: Covers property damage or injuries caused during the project.
• Workers’ Compensation Insurance: Makes sure injured workers are covered—so they don’t sue you for medical bills.
• Commercial Auto Insurance: Covers damage if their work truck hits your car, mailbox, or driveway.
• Builder’s Risk Insurance: Protects unfinished roofing projects from storms, theft, or fire.
• Tools & Equipment Insurance: Makes sure stolen tools don’t delay your project.

Why does my roofer need General Liability Insurance?

Because accidents happen. If a roofer drops a tool through your skylight or damages your siding, this policy makes sure you’re not paying for their mistakes. No general liability? Any damage they cause can come straight out of your pocket.

Should my contractor have Commercial Auto Insurance?

Yes! A roofer’s personal auto policy may not cover accidents in work trucks or vans. If their truck backs into your garage or wrecks your fence, this insurance guarantees you’re not left fixing it.

What happens if I hire an uninsured contractor?

That’s a financial disaster waiting to happen. If they mess up your roof, cause injuries, or abandon the job, you can be stuck with:

• Costly repairs for property damage they caused.
• Lawsuits if their workers get injured on your property.
• Out-of-pocket costs for unfinished or delayed projects.
• Stress, frustration, and a bad roofing experience.

At Apex, we’re fully insured pros, so you get quality roofing without the risk. Need a team you can trust? Let’s get started!