Hiring a roofing company is a major decision that often involves substantial investment and trust. Whether you’re replacing shingles, repairing leaks, or installing a new roof, you expect the professionals you hire to handle the job with care. 

But what happens if a roofing company damages your property during the process? From damaged seamless gutters, cracked windows, and broken landscaping to interior leaks, accidents can and do happen.

Understanding who’s responsible for covering the costs can help homeowners avoid costly misunderstandings and make informed decisions when hiring a roofing contractor.

Understanding Liability in Roofing Work

When a roofing company is working on your home, they are typically responsible for any damage they cause—intentionally or accidentally—while performing the job. However, liability can depend on several factors.

• Review the contract terms carefully: Your contract should outline what the roofing company is responsible for. A well-written contract typically includes clauses covering property protection, liability, and damage resolution.
• Check for “hold harmless” or waiver clauses: Some contractors include language that limits their liability. These clauses may attempt to shift responsibility for damages to the homeowner, so read thoroughly before signing.
• Ask for clarification in writing: If the contract language is unclear, request a written explanation of who covers property damage. This ensures both parties are on the same page before work begins.

The Role of Insurance

A professional roofing company should carry proper insurance to protect both their workers and your property during the project. Before hiring, it’s important to understand roofing insurance requirements to ensure the contractor is adequately covered.

• Verify general liability coverage: This insurance covers accidental property damage caused by the roofer. Without it, you could be left paying for repairs out of pocket.
• Ask for a certificate of insurance (COI): Reputable roofing companies should provide a COI upon request. This document confirms active coverage and lists policy limits and expiration dates.
• Understand the difference between liability and workers’ compensation: While liability covers damage to your home, workers’ compensation covers employee injuries. Both are important, but they serve different purposes.

Documenting the Damage

If your property is damaged during roofing work, you’ll need to document the situation properly to pursue a resolution.

• Take detailed before-and-after photos: Photograph your home and surrounding property before work begins. If damage occurs, use photos to show the contrast and support your claim.
• Note the time, location, and details of the incident: The more specific your documentation, the easier it will be to establish the cause and hold the roofing company accountable.
• Request a written incident report from the company: Ask the foreman or project manager to document the event and provide a statement. This adds weight to your claim if disputes arise.

Steps to Take If Damage Occurs

If you notice damage during or after a roofing project, act quickly to resolve the issue while maintaining a professional tone.

• Report the damage immediately to the roofing company: Don’t delay—timely reporting gives the contractor a chance to inspect the issue and offer a solution.
• Request an on-site inspection with the contractor: Meeting in person allows both parties to view the damage and discuss possible causes and solutions directly.
• Get repair agreements in writing: If the contractor agrees to fix the damage, make sure all terms are documented, including the scope of repairs and completion date.
• Contact your homeowner’s insurance if needed: If the roofing company is unresponsive or disputes the claim, your insurer may be able to help cover the damage and pursue reimbursement through subrogation.

Preventing Property Damage Before It Happens

Prevention is always better than repair. Taking proactive steps can help minimize the risk of damage before the roofing work even begins.

• Walk the property with the contractor beforehand: Point out fragile items like garden beds, patio furniture, or decorative fixtures. Ask how they’ll be protected.
• Discuss equipment placement and access routes: Ensure heavy machinery or dumpsters won’t damage your driveway, lawn, or landscaping.
• Request protective measures be included in the contract: Ask the contractor to commit in writing to using tarps, boards, and other safeguards during the project.
  
  

While property damage during a roofing project can be frustrating, it doesn’t have to become a financial burden or legal battle. By choosing a reputable contractor with proper insurance, reading your contract closely, documenting everything, and communicating clearly, you can protect your home and ensure any issues are resolved fairly. 

Taking the time to understand your rights and responsibilities before the first shingle is lifted can save you time, money, and stress.