If your roofing contractor says that they use subcontractors, be sure those subcontractors are also insured. Contractors who hire subcontractors consider themselves protected if anything goes wrong: they have a contract with the general contractor and workers’ compensation coverage for their employees.
But in some cases, the general contractor has no insurance, leaving you on the line if there is an accident. And sometimes, it is possible for those subcontractors to have little or no financial means to pay for damages to your home or your family members, which can add to your bills. Make sure you ask your Montgomery County roofing company if they have employees or subcontractors and who all is covered under their insurance.