When you’re in the process of hiring your roofing contractor, it is crucial that you make sure that your contractor is insured. It would be best if you took this seriously because it is one of your duties as a policyholder. Your homeowners’ insurance carrier can only allow you coverage if you hire an insured roofing contractor or if the roofing contractor needs to be appropriately insured. For example, in case that’s an accident or property damage resulting from the roof install, like a fire, or if it rains when the installation is in process, and you don’t have the roof yet. In most cases, your insurance carrier could be denied coverage; every insurance certificate has the producer’s phone number, and you can call and verify the range of coverage and if the policy is active.  Verify the Insurance Certificate, ask your roofing contractor for his declaration page and make sure that it’s not expired. After you receive and review the insurance declaration page is time to do your homework, like calling the contractor insurance producer. These are the two most important insurance coverage.  General Liability Insurance Workers Compensation Insurance