Home / What Happens If a Roofer Gets Hurt on Your Howell Township Property?
You hire someone to fix your roof — maybe through a neighbor’s referral in Candlewood or a quick online search. Everything seems fine… until a crew member slips off a ladder in your yard. Now what?
It’s a scary thought, but it’s a real risk. Roofing is one of the most dangerous home improvement jobs — and accidents do happen. As a Howell Township homeowner, you need to know where your liability starts and ends. Let’s walk through the key facts and how to protect yourself before a single shingle is touched.
If a roofer gets injured on your property and isn’t properly insured, you could be held financially responsible. That means medical bills, legal claims, and even damage to your homeowners insurance rates.
It’s not common — but it does happen. And in some cases around Freewood Acres and Aldrich Road, homeowners didn’t find out their contractor was uninsured until it was too late.
Any roofing company you hire should carry:
Without both, you could be pulled into legal trouble if someone gets hurt on your land.
A real pro will gladly show you up-to-date insurance certificates with policy numbers, limits, and expiration dates. If they get cagey or say “we’re covered, don’t worry,” that’s a big red flag. You have every right to protect yourself and your home.
Many roofers use subcontractors — not full-time staff. That’s not a problem if those subcontractors are insured. Ask if everyone working on your roof is covered by the company’s policy. If the answer’s unclear, ask again — in writing.
Let’s say the worst-case scenario happens: a worker falls and gets injured. If the roofer has proper insurance, the claim goes through their provider. You might need to document the incident, but you’re not on the hook financially.
If they’re uninsured, things get murky fast. The injured party might sue your homeowners policy — or come after you directly. This could lead to court costs, settlement fees, and higher premiums down the road.
Roofing isn’t just about shingles and gutters. It’s about protecting your home — and yourself. Hiring a properly insured Howell Township roofing contractor ensures that if something goes wrong, you’re not left holding the bill.
Want to double-check coverage or ask about how we handle safety? Reach out today. Our crew is fully insured, experienced, and trained to work safely. Or head back to our homepage or the full Roofing FAQ for more local homeowner insights.
