As an industry insider, I see a lot of contracts, and I see a lot of corners being cut in the fine print. Insurance isn't just a checkbox; it is a complex legal product, and not all policies are created equal. DISCOUNTED ROOFING LLC operates with full, comprehensive coverage, but many competitors carry "ghost policies" or policies with exclusions that leave the homeowner exposed to massive liability. Here is the technical breakdown of what you need to look for to protect yourself.

When vetting Philadelphia Roofing Contractors, you need to audit the "Class Codes" on their insurance certificate. Roofing is a high-risk classification with high premiums. Some unscrupulous contractors will classify their workers as "carpentry," "siding installers," or even "clerical" to lower their premiums. If an accident happens while they are on the roof, the insurance carrier can deny the claim because the work being performed didn't match the classification code. You need to see a specific code for roofing operations on the certificate.

Another critical technical detail is the "Open Flame Exclusion." Many flat roofs in the city are installed using torch-down modified bitumen. This involves using a propane torch to melt the membrane to the deck. Cheap general liability policies often have a specific exclusion for work involving open flames. If a contractor burns your house down while torching a roof—a real risk in row home construction—and has this exclusion, their insurance pays zero. You are left with the ashes and the bill. We ensure our policy specifically covers hot work applications.

You must also verify "Subcontractor Clauses." Many companies sub out 100% of their labor. Their policy might insure them, but if the policy dictates that all subcontractors must carry their own equal insurance and the sub doesn't, the coverage chain is broken. This is a common gap where liability falls through. We maintain strict control over our crews and their coverage status to ensure there are no gaps in the liability shield.

Don't just glance at the paper and file it away. Read the exclusions. Understand the class codes. Real protection is in the details, and ignoring them is a risk you cannot afford to take.

For a contractor who carries the right coverage for the job, consult the experts at DISCOUNTED ROOFING LLC.

https://www.discountedroofingllc.com/