Why Insurance Matters Before a Roofer Sets Foot on Your Property
Hiring an uninsured roofer is one of the most common - and costly - mistakes homeowners make. If a tradesperson falls from your roof, damages a neighbouring property, or causes a leak that ruins your ceilings, you could end up footing the bill if they have no valid insurance in place.
In Diss and the surrounding villages, we see a fair mix of older Norfolk farmhouses, Victorian terraces, and postwar semis. Many have complex rooflines, ageing clay pantiles, or awkward chimney stacks - the kind of work that carries real risk if something goes wrong. Knowing how to check a roofer's insurance before they start is a straightforward process, and it could save you thousands.
What Insurance a Roofer Should Hold
There are two types of insurance that every professional roofer working on domestic properties in the UK should carry.
- Public Liability Insurance: This covers damage to your property or injury to a third party caused by the roofer's work. A minimum of £1 million cover is standard, though many reputable contractors carry £2 million or more. If a scaffold board falls and cracks your conservatory roof, public liability is what pays.
- Employers' Liability Insurance: This is a legal requirement under the Employers' Liability (Compulsory Insurance) Act 1969 for any business with employees, including subcontractors in many cases. It covers workers who are injured or become ill as a result of their work. The legal minimum is £5 million of cover.
Some roofers also carry contract works insurance, which covers the partially completed job if it's damaged by fire, storm, or vandalism before the work is finished. This is particularly worth asking about on larger jobs like new roofs or full roof replacements.
How to Verify a Roofer's Insurance
Don't just take a roofer's word for it - ask to see the actual certificate. A genuine certificate will show the insurer's name, the policy number, the level of cover, and the expiry date. Check all four.
Here's what to do step by step:
- Ask for a copy of both the public liability and employers' liability certificates before work begins.
- Check the expiry date - policies renew annually, and a certificate from a previous period is worthless.
- Confirm the business name on the certificate matches the trading name and any invoices you've been given.
- If you have any doubt, phone the insurer directly. The policy number is all they need to confirm it's active.
You can also look for membership of a recognised trade body. The National Federation of Roofing Contractors (NFRC) requires members to hold adequate insurance as a condition of membership, so that's a useful shortcut if you're comparing roofers in the area.
Red Flags to Watch For
A roofer who hesitates or makes excuses when you ask to see their insurance certificates is a serious warning sign. Legitimate tradespeople expect to be asked and will have the documents ready without fuss.
Other things that should prompt caution:
- Being asked to pay the full amount in cash upfront before any work is done.
- No written quote or contract - just a verbal price.
- Insurance certificates that look altered, blurry, or have inconsistent fonts.
- A sole trader claiming they don't need employers' liability because they work alone, but turning up with a labourer.
Storm damage often brings out opportunistic traders who knock on doors across South Norfolk following a spell of rough weather. If someone arrives uninvited after a storm claiming your roof needs urgent work, always get a second opinion from a local roofer you've sourced yourself before committing to anything.
Local Jobs Where Insurance Is Especially Important
Some roofing jobs carry higher risk than others. Chimney rebuilds and lead work on older properties involve working at height with heavy materials. Flat roof replacements on extensions involve structural elements. Any job where things could go seriously wrong if there's an accident is exactly where you need to be certain insurance is in place and current.
We regularly carry out roof repairs across Diss, Long Stratton, Wymondham, and the surrounding villages.
If you'd like to check our credentials or get a free, no-obligation survey of your roof, get in touch with us directly and we'll arrange a visit at a time that suits you.
Need a hand in Diss?
Get a free, no-obligation quote from a local Roofing specialist.
Call 01379 777150More advice
Why Autumn Is the Best Time for a Roof Check
Autumn is the ideal time to get your roof checked before winter arrives. Here is why homeowners in and around Diss should book a roof inspection now, not after the first leak appears.
Read moreWhat to Know About Roofing Older Buildings in Diss
Older properties in Diss come with period materials, planning rules and specific vulnerabilities that need specialist roofing knowledge. Here is what homeowners should understand before starting any roofing work on a historic building.
Read moreWhat to Know About Roofing Older Buildings in Diss
Roofing older properties in Diss requires specialist knowledge of period materials, breathable construction and local planning rules. Here is what every owner of a historic property should understand before work begins.
Read more