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Florida Roofer Insurance quote and information.

  1. How do insurance companies define Roofing Contractor?
  2. What risk exposure do Roofing Contractors have?
  3. What is the price of Roofer insurance?
  4. Is insurance for Roofers required in Florida?
  5. What coverages are common to Roofing businesses?
  6. Can you provide insurance anywhere in the state?

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How do insurance companies define Roofing Contractor?

Roofing contractors install and repair or re-roof residential and commercial structures. In some cases, some installation of siding, gutter or insulating material, or minor incidental repair of chimneys may be a part of the operation.

Operations vary depending on building height and roof configuration – whether it is flat or pitched. Typically a roof consists of a decking, often made of wood or metal, on top of which a covering is installed. “Flashing” made of sheet
metal is installed at corners and joints or around chimneys in Florida. Flat roofs may be “built up” from several layers of asphalt-laminated felt covered by asphalt and gravel. Other roofs are covered with shingles made of various materials, especially asphalt, wood, slate, or concrete or man made materials. Alternatively, in Florida, either type may be covered with rolled roofing of tar paper or heavy rubberized material.

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What risk exposure do Roofing Contractors have?

Property Exposures
Consists of an office and a yard, and sometimes a shop. Hazards depend upon the type of roofing to be installed and the process conducted at the yard or base facility. If repair work on owned vehicles and equipment is done in the building, fire hazards may be high. When hot built-up roofing is done, any preparation work with hot tar and asphalt heated first at the yard site increases the fire potential, not only for the insured, but also for neighboring properties.

In other Florida roofing applications, any solvents, chemicals, or sealants used must be examined to ensure proper storage and handling of any flammables and combustibles. If equipment, materials, and supplies are stored in the yard, then there are higher exposures to wind, vandalism, and theft. Inland marine exposures, in Florida, include the contractor’s tools and equipment, goods in transit, and installation. Hoists, ladders, scaffolding and similar equipment may be damaged during transport to or from the job site by collision or upset, or during setup or use. Tools and building materials may be subject to damage by dropping or loss due to theft by third parties or employees. Material being installed is highly susceptible to damage during handling or from wind or rain before installation is complete.

Premises Liability
Concerns can be extensive during the installation process. Roofing materials or tools and equipment dropped during operations may cause serious injury to occupants or passersby, or may cause serious property damage. Wind or weather may damage the unfinished portion of the roof or the interior of the building during the installation process. Repair or installation using hot tar may be a fire hazard. In Florida, completed operations hazards can also be heavy from collapse, leak, or wind damage to a roof that has not been installed or repaired properly. Gradual seepage of water can cause mold or rot within the structure itself. Quality control and experience are important issues to evaluate.

Environmental Liability
Exposures from the disposal of old roofing materials to the disposal of waste tar, asphalt, sealants and adhesives. Removal of asbestos tiles may be a concern; although the asbestos in tiles is typically non-friable (it does not readily crumble and become airborne). Waste disposal practices need careful review.

Automobile Liability
Can be a high exposure, because the transportation of heavy equipment and materials may aggravate a collision or upset accident. Loading/unloading hazards may be significant. If hot tar or asphalt is used, transport may be hazardous. Age, training, experience, and drivers’ records, as well as the age, condition, and maintenance of the Florida vehicles, are all important items to consider.

Workers Compensation
has catastrophe potential even when frequency losses are controlled. Any time work is done above ground in Florida, the potential for injury from fall can be severe. Common hazards include injuries from lifting, cutting the flashing and other materials, and work with hand and power tools. Additional exposures may result from the application of tar and asphalt if hot buildup is used. Burns and eye, skin, and lung irritations are common. Serious injuries can result from falling due to sudden changes in the wind or weather.

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What is the price of Roofer insurance?

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Is insurance for Roofer required in Florida?

We are sorry, we haven’t posted an answer to this question yet. Ask us now and we will respond and
post the answer in one business day.

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What other insurance should a Roofers consider?

Business Personal Property, Contractors’ Equipment and Tool Floaters, Accounts Receivable, Valuable Papers, Installation Floater, Goods in Transit, Employee Dishonesty, General Liability, Employee Benefits Liability, Umbrella Liability, Commercial Auto, Stop Gap Liability, Workers Compensation

Can you provide insurance across the state?

We have helped customers all across the state of Florida. Below are some of the cities we have done business in.

  • Jacksonville
  • Miami
  • Tampa
  • St. Petersburg
  • Orlando
  • Hialeah
  • Tallahassee
  • Fort Lauderdale
  • Port St. Lucie
  • Pembroke Pines
  • Cape Coral
  • Hollywood
  • Gainesville
  • Miramar
  • Coral Springs
  • Clearwater
  • Miami Gardens
  • Palm Bay
  • West Palm Beach
  • Pompano Beach