Hiring a roofing contractor is one of the largest investments you will make as a homeowner. Whether you need a full roof replacement or a minor repair, the contractor you choose should carry proper insurance coverage. Cutting corners on this requirement can cost you far more than any savings on the estimate.

Here are three reasons why you should never hire an uninsured roofing company.

1. You Are Liable for Injuries on Your Property

When an uninsured roofer gets injured on your property, the financial burden falls on you. North Carolina law holds property owners responsible for workplace injuries when the contractor lacks workers’ compensation insurance.

That means if a roofer falls off your roof and has no coverage, you could face:

Medical bills totaling tens of thousands of dollars
Lawsuits for lost wages and pain and suffering
Claims against your homeowner’s insurance policy

A properly insured roofing company carries workers’ compensation and general liability insurance. This protects both the crew and you as the homeowner.

2. You Have No Recourse if Something Goes Wrong

Roofing work involves inherent risks to your property. Accidents happen: a misplaced ladder damages siding, debris scratches a vehicle, or improper installation leads to leaks weeks later.

What General Liability Covers

Damage to your home or property during the project
Faulty workmanship discovered after completion
Third-party injuries caused by the construction site

Without general liability insurance, your only option is to sue the contractor directly. Many uninsured contractors operate without significant assets, making it nearly impossible to recover damages even with a court judgment.

What to Ask For

Before signing any contract, request:

A current Certificate of Insurance (COI)
Verification that the policy is active (call the insurance company directly)
Both general liability and workers’ compensation documentation

3. It Signals a Lack of Professionalism

Insurance is a baseline requirement for any legitimate roofing business. Contractors who skip insurance are often cutting other corners as well:

No proper licensing — NC requires general contractors to be licensed for projects over $30,000
No manufacturer certifications — Without credentials like GAF certification, they cannot offer premium warranty options
No established business presence — Fly-by-night operators often disappear after collecting payment

A company that invests in proper insurance coverage demonstrates commitment to their business, their employees, and their customers.

How Trust Roofing & Restoration Protects You

At Trust Roofing & Restoration, we carry full general liability and workers’ compensation insurance on every project. As a GAF Certified Contractor — a distinction held by only the top 6% of roofers nationwide — we meet strict requirements for insurance, licensing, and workmanship standards.

We are happy to provide proof of insurance before any work begins. Our Wilmington, NC customers deserve complete transparency about who is working on their home.

Before You Hire Any Roofer, Verify These Three Things

Active general liability insurance
Active workers’ compensation insurance
Valid North Carolina contractor license

If a contractor hesitates to provide any of these documents, move on.

Get a Free Estimate From an Insured, Certified Contractor

Trust Roofing & Restoration serves homeowners across New Hanover, Brunswick, and Pender Counties with fully insured, GAF-certified roofing services. Call us at (910) 538-5353 to schedule a free inspection and estimate. We will bring our credentials to your door.