When selecting a roofing company, it is important to choose contractors that have general liability insurance and worker’s comp, because most companies subcontract roofing work. You, as a homeowner, become liable for any accidents if the roofing company is not fully covered. If the worker falls off the roof, the homeowner is now liable. It is not uncommon to ask for copies of their liability coverage and ensure their insurance is in effect throughout the duration of the job.