Hiring a roofing contractor is a big decision—and not just because of the cost. Roofing projects involve working at heights, heavy materials, power tools, and structural exposure, all of which create potential safety and legal risks. What many homeowners don’t realize is that if something goes wrong during the project, they could end up facing personal injury claims, property damage liability, or insurance disputes.
Whether you’re replacing a few shingles or installing a brand new roof, here are the legal precautions every homeowner should take to protect their home, their finances, and themselves.
1. Verify Licensing and Insurance—Every Time
Always hire a roofing contractor who is licensed, insured, and, if required by your state, bonded. Without proper coverage, you could be held responsible for any injuries or damages that occur on your property.
Ask to See:
- General liability insurance
- Workers’ compensation coverage
- Contractor license (check expiration and verify online)
If a roofer is injured and doesn’t have workers’ comp, you may be the one footing the medical bills or facing a personal injury claim.
2. Use a Written Contract That Covers Liability
Never rely on a verbal agreement, even if the roofer comes recommended or seems trustworthy. A written contract should clearly state:
- Scope of work
- Timeline
- Payment schedule
- Warranty terms
- Cleanup responsibilities
- Who assumes liability in the event of injury or damage
Look for language that specifies who is responsible for injuries on the job site. If it’s not clear, ask for it to be added or clarified.
3. Don’t Provide Tools or Ladders
If a roofer uses your ladder, harness, or tools—and they break or malfunction—you could be blamed for the resulting injury. Let professionals use their own safety-certified equipment.
Rule of thumb: If you’re not insured to use it, don’t loan it out.
4. Fix Known Hazards Before Work Begins
If you know your roof has structural weaknesses, rotting wood, or a wasp nest in the soffits, alert your contractor. Failing to disclose dangerous conditions could increase your liability if an injury occurs.
Even exterior hazards like loose bricks, uneven steps, or slippery paths leading to the roof access point can lead to claims.
5. Notify Your Insurance Provider Before Major Roof Work
If you’re doing a full replacement or structural repair, it’s a good idea to notify your homeowners insurance provider in advance. Some policies may require notice—or even documentation—if you’re using insurance funds or expect expanded coverage during construction.
Failing to notify them could complicate claims if damage or injury occurs during the project.
6. Document Everything
Keep a record of:
- Before and after photos
- All signed contracts and waivers
- License and insurance certificates
- Payments and invoices
- Communication (text, email, or written notes)
This documentation can protect you if a dispute arises or if you’re faced with a liability claim.
7. Understand Liability Waivers (and What They Don’t Cover)
Some contractors may ask you to sign a liability waiver before beginning work. These forms can protect them from certain claims—but not all.
A waiver does not protect a contractor from negligence, unsafe practices, or illegal activity. Similarly, it doesn’t absolve you if a third party (like a guest, tenant, or neighbor) is injured due to a known hazard on your roof.
When in doubt, review any legal documents with an attorney—especially for large projects.
A roofing project shouldn’t come with legal headaches—but it can if you’re unprepared. Taking just a few precautions before your contractor steps foot on your roof can make the difference between a smooth repair and a costly legal dispute.
Protect your home. Protect yourself.
Don’t just ask the right questions—get the answers in writing.