Insured vs. Non-Insured California Roofing Companies – Understanding Your Liability

Which Of The California Roofing Companies Will You Choose?

Choosing the best roofing company for your home project is a little more complicated than most people make it out to be. Browsing through pricing and choosing the cheapest option isn’t the best route to take, despite what most people believe. You’ll need to set time aside in your day to meet with the owner of the roofing company so that you can discuss various aspects of the build with them.

Finding The Local California Roofing Companies Near You!

When it comes to finding the right California roofing companies, there are a few things you need to know before making the decision of picking one. One of the most important aspect is figuring out if the company is if they are insured or they are uninsured. The other being that if they are licensed and for how long have they been in business.As a rule of thumb, reputable roofing companies that have been operating for a while are generally more reliable than ones that are newly emerging on the market.

Only then will you be able to make an educated decision as to what roofing company you should choose. In this article, we are going to help you understand the difference between insured and non-insured roofing companies. Ultimately, this will allow you to understand your liability and whether or not particular California roofing companies are worth the price. With that being said, let’s get started.

Insured and Non-Insured Roofing Companies

The first thing that you should ask to see in California roofing companies is whether or not they have a certificate of insurance. Basically, this is something that will tell you who is going to carry the general liability throughout the course of the project. When speaking with the owner, ask them to send you proof of their insurance before you hire them. A verbal confirmation from a roofing company should never suffice. Always get this on paper.

The area of workers compensation is also a very important subject matter to discuss with your roofing company. The reason why is because it will determine who is responsible for paying the medical bills should a worker get injured on the job. If the roofing company that you’re looking at isn’t insured then you will be the one who is responsible for handling all of the expenses associated with the medical bills.

On the same token, do keep in mind that California roofing companies that are uninsured will generally cost a lot less than roofing companies that are insured. It all boils down to taking the risk in order to save a few hundred (or thousand) dollars. Let’s take a look at a few reasons why a roofing company or individual roofing contractor may not be insured:

  • They don’t operate on a full-time basis.
  • They are self-employed and don’t work with other employees.
  • They are an emerging roofing company.
  • Premiums for insurance policies cost too much.

These are a few reasons why a roofing company wouldn’t invest in an insurance policy. As we previously mentioned, hiring a roofing company that doesn’t have insurance will ultimately save you a lot of money.

But do keep in mind that the risk is significantly higher, mainly because you will be the one responsible for any injures that could occur. On the flipside, hiring an insured roofing company would eliminate this risk but cost you much more money upfront.

Licensing Requirements

The next area of consideration that you should speak about with your contractor is whether or not they are licensed. Keep in mind that not every state is going to require that a roofing company be licensed. Make sure that you are aware of your local laws.

However, if a company is licensed then this means that they have probably taken a written exam that clearly demonstrates their ability to understand this area of expertise. In short, you can feel safe knowing that they understand what they’re doing.

Additional Considerations

Before allowing California roofing companies to work on your home, there are a few more factors that you will need to consider. We’ve already spoke about the pros and cons to hiring an insured contractor. Now we are going to talk about some additional considerations that you should take in mind before hiring a roofing company.

How Long Have They Been in Business?

This is the first question that you should ask when looking at potential California roofing companies. A newer company generally doesn’t have the review base needed to make an educated decision in regards to hiring. This is one reason why roofing companies that have been around for long periods of time are able to receive a lot of work- they are vouched for.

As a general rule of thumb, California roofing companies that have been around for a long period of time are generally more reliable than ones that are newly emerging on the market. On the same token, it is always a good idea to ask your roofing contractor for references. If they’ve pleased clients in the past then they should have no problem doing this for you.

However, just keep in mind that a roofing company probably isn’t going to give you contact information for unhappy customers. They will only provide you with a list of the ones who were content. That way, they won’t have to shed any light on any less than acceptable jobs they may have done in the past.

Better Business Bureau

This is one the more important tips that you should be taking out of this article. Checking with the Better Business Bureau will take minutes and will let you know if there are any unhappy customers on file for that particular roofing company. Keep in mind that a company that handles a large amount of customers is bound to receive a few complaints.

The important thing to look at is whether or not the company did anything to make those complaints right. Did they fix the problem? Did they offer a reimbursement? When speaking with a potential roofing company, make sure that you talk to the person in charge. More specifically, talk to the person who is going to be there handling your project.

Don’t be afraid of asking any questions that run across your mind. A roofing company will excellent communication skills is crucial to the overall satisfaction of your project. Companies that have poor communication will generally do a bad job on a particular project and then slap you with the bill a few weeks later without warning.


As you can see, there are some major differences between choosing a company that is insured and choosing a company that isn’t. Make sure that you take the above tips into consideration before making your final selection for California roofing companies.

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Tips for Choosing the Best Roofing Company for Your Home

Understanding And Doing Your Research On Good California Roofing Companies

Choosing a roofing company is like choosing a surgeon – you want to make the best possible decision to ensure the highest likelihood for success. Understanding this, it would only make sense that you do an extensive amount of research on California roofing companies. From here, you would want to follow up with their owner to talk about their experience and pricing options. Continue reading

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