Your Orange County roofing contractor must have several licenses and types of insurance in order to work legally in California. Among other things, they’ll need a local license and workmen’s compensation insurance.
One type of insurance that is sometimes optional for legal work is liability insurance. However, you’ll definitely want to ensure that your roofer has good liability insurance. This is the type of insurance that actually protects you, the homeowner, in case of a disaster.
What liability insurance covers
A roofing contractor’s liability insurance covers incidents that are caused by the contractor or by the work that goes on in your home. Sometimes these incidents are due to negligence, but this is rarely the case. In fact, many liability insurance claims come about by complete accident.