Question 1

Does roofing insurance cost more than other trades?

Accepted Answer

Yes, roofing typically attracts higher premiums due to the inherent risks of working at height. However, demonstrating good health and safety practices, training, and a clean claims history can help reduce costs.

Question 2

Am I covered for hot works like torch-on felt?

Accepted Answer

Hot works can be covered but must be declared. Insurers will want to know about your hot works procedures, fire extinguisher provision, and whether you use a permit-to-work system.

Question 3

What if I find asbestos during a job?

Accepted Answer

Standard policies typically exclude asbestos work. If you encounter asbestos, you should stop work and engage licensed contractors. We can discuss asbestos liability cover if you regularly work on older buildings.

Question 4

Does my insurance cover scaffolding I hire?

Accepted Answer

Hired-in scaffolding is typically covered under your contract works or tools cover, but you should check limits. If you own scaffolding, this should be declared and specifically covered.

Question 5

Am I covered for emergency storm damage repairs?

Accepted Answer

Yes, emergency call-out work is typically covered under standard roofing policies. This includes temporary repairs and making safe after storm damage.

Roofers Insurance