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Make sure your contractor is insured as a
C-39 roofing contractor!
As you are aware, the cost of purchasing liability insurance
has more than doubled in the last year. The construction industry, including
roofing Contractors, have been hard hit by this development. Many contractors
have not been able to secure adequate liability insurance at any cost, so some
of them are "going bare", i.e., operating with no insurance at all.
At Century Roof Tile, we have been able to keep our
insurance program in full effect.
Our Certificate of Insurance is available at any time for your review.
You should insist that any contractor you do business
with, provide you with the evidence of insurance. This will cover you against
damage to your own person and property, as well as claims by others against you,
which could result from the work of the contractor. You do not want to be
exposed to risk of loss because of the contractors activities. Insist that the
contractor produce satisfactory evidence of proper insurance coverage. Our
insurance policy is with National Builders Insurance for operation as a
Roofing Contractor. Admiral is best rated A++ (superior).
The following precautions will help protect you further
and assist you in choosing your roofing contractor.
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From the
California Contractors State License Board
- Did your contractor tell you whether
he or she carries Commercial General
Liability Insurance?
Home improvement contractors are required by law to tell you whether or
not they carry
Commercial General Liability Insurance. This written statement must now
be integrated into the contract,
if there is one.
- What does this insurance cover?
Commercial General Liability Insurance can protect against third-party
bodily injury and
accidental property damage. It is not intended to cover the work the
contractor performs.
- Is this insurance required?
No. But the Contractors State License Board strongly recommends that all
contractors carry it.
The Board cautions you to evaluate the risk to your family and property
when you hire a
contractor who is not insured. Ask yourself, if something went wrong,
would this contractor be
able to cover losses ordinarily covered by insurance?
- How can you make sure the contractor
is insured?
If he or she is insured, your contractor is required to provide you with
the name and telephone
number of the insurance company on your proposal or contract. Check with
the insurance company to verify that the
contractor’s insurance coverage will cover your project.
- What about a contractor who is
self-insured?
A self-insured contractor has made a business decision to be personally
responsible for losses
that would ordinarily be covered by insurance. Before contracting with a
self-insured
contractor, ask yourself, if something went wrong, would this contractor
be able to cover
losses ordinarily covered by insurance?
Printable PDF
Insurance checklist from CSLB
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Some contractors have chosen to use a general contractor's
license to avoid the high cost of roofing Insurance. This is done so they can
say they have liability insurance, However, general contractors insurance
policies may not cover your roofing project.
Call their insurance carrier for conformation. Your
contractor must be licensed as a C-39 roofing contractor. To make sure they have
a C-39 roofing license, call (800) 321-CSLB or go on line to Contractors State
License Board (www.cslb.ca.gov).
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