We all dread dealing with a leaking roof, or even a roof renovation after extensive water damage. This is an expensive challenge that homeowners and landlords are often not prepared for, and it can get even more challenging if you do not have a flexible budget to deal with it. Commercial and residential roofers tend to charge exuberantly high rates, and this often compels some homeowners to hire a roofer without insurance. An uninsured roofer may charge you thousands of dollars less, but in case of accident that causes property damage, or worse, physical damage to one of the workers, it can lead to a great many financial and emotional losses.