Here at Custom Contractors Insurance, we specialize in one thing…providing high quality and affordable insurance coverage to contractors.

It’s what we do every day and we understand every business has unique needs. We will take the time to get to know what you need and work quickly to issue your policy.

No more waiting on hold! Our customer service professionals are never tied up with tedious personal auto and home claims. They are here to serve you, the contractor!

Keep in mind, roofing insurance is a form of general liability insurance designed to protect you and your employees, not the customers you are working for. It’s a necessity in your industry to operate legally and protect yourself from lawsuits.

In fact, most states require contractors to have a valid roofing insurance policy in place to get licensed, to bid on jobs, and to conduct any kind of construction operations on a roof.

Need Roofing Insurance Coverage?

• A Competitive Quote in Just Minutes
• Call and speak to a live agent right now
• Superior Customer Service
• 96.4% client retention rate
• A Policy With ONLY 20% Down
• Pricing varies by state and classification
• Instant Certificate of Insurance
• Have a policy number the same day
• High Quality Coverage
• We have exclusive programs ONLY for contractors
• Savings of 17% or More on Average

Whenever heavy inclement weather strikes, we find ourselves checking for leaks or any other issues our roofs may have sustained. After all, that is the first layer of protection that our homes have. However, in the event of finding an issue with a roof, what role does insurance play in resolving it?

Can I make money off my insurance claim? Insurance is not a quick-money scheme in the event of an accident or claim. There aren't roundabout, "thrifty " ways of getting reimbursed by an insurance company for a roofing claim while pocketing most of the check. The money you receive is meant to cover the cost of getting a replacement or repair done right the first time so that all you'll have to pay out-of-pocket is your deductible. There's no such thing as making money off of an insurance claim.

There can be confusion about the amounts received in checks from the insurance company whenever a roofing claim happens. There is also the occasional pause where you wonder if you can get the job done cheaper but still correctly. If you're having questions about how roofing claims work and whether or not you've got a chance to get some easy extra cash, read on for a better explanation of how the process works and why using the checks as they're intended will save you money in the long run.

What Insurance is Supposed to Do

In short, insurance is meant to restore you to the state you were in prior to an accident. No insurance company on earth is going to rebuild your home bigger or better than it was before a claim. They will all put it back together with "like, kind and quality" materials.

Occasionally, you'll find that the materials used for your house are no longer being manufactured or are simply out of date, in which case your adjuster determines what the quality of those materials was and what an equivalent product in today's standards would be.

Also, you'll want to make sure that your home insurance policy has Replacement Cost Coverage (RCV). Most do. You also want to have "Ordinance or Law" coverage.Replacement Cost Coverage (RCV) puts your home back together in the state that it was in at the time that it was built. Ordinance or Law coverage is important because if a new ordinance has been passed since your home was built, the insurance company typically wouldn't pay for that new, additional requirement. If you have Ordinance or Law coverage, they factor that into your home's replacement or repair.

Here's an example: Scottsdale, Arizona passed an ordinance that all newly built homes must have fire sprinkler systems installed. The older homes of this city (which were grandfathered into this new ordinance) were not required to have the sprinklers installed.

However, if one of these older homes burn down today, the insurance company they're with will rebuild it back to the standards of the 1940s, or whatever year the home was built. They will not pay for the now-required sprinkler system to be installed unless the owners have the Ordinance or Law endorsement on their policy.

Definition: Ice and Water Shield is a layer of water-proof material which goes on a roof during the roofing process. This layer is typically self-adhesive and prevents leaks from rain or melting snow.

A more common example of Ordinance or Law coverage in the northern United States is the ice and water shield code requirements. Many states have updated their code requirements for ice and water shield. If you do not have Ordinance or Law Coverage on your home policy, this uncovered change could cost you (on an average-sized roof) $3,000-$4,000 out-of-pocket, instead of the insurance company covering it with a small endorsement.