Roofers Insurance in Texas

Protect Yourself And Your Business With Roofers Insurance
As the owner of a roofing company, you know that liability claims and employee injuries can be common in your industry, which means that to keep your business thriving, you must be covered by the appropriate roofing insurance policies.
When you work with the business insurance experts at the Thumann Agency in Dallas, we can customize your roofer's policy to ensure your most significant risks are addressed with reliable, adequate coverage. We serve all of Texas, including Dallas, Austin, and San Antonio.
If the unexpected happens and your roofing business is met with an expensive liability claim, you can sleep peacefully knowing that you will have the protection you need to spare your bank account from a crushing hit.
Why Roofers Insurance Benefits Your Dallas Business
Roofing work presents hazards, from elevated tasks to handling heavy tools. roofing contractor insurance shields your business from financial losses and fosters client confidence.
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Guards Against Liability: Covers costs from property damage or injuries during roofing jobs.
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Protects Workers: Workers’ compensation insurance pays for medical costs and lost wages for job-related injuries.
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Fulfills Client Requirements: Clients often request Certificates of Insurance (COI) to confirm coverage before contracts.
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Secures Assets: Safeguards tools and vehicles with policies like Inland marine insurance and Commercial auto insurance.
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Promotes Stability: A Business Owner’s Policy (BOP) combines coverages to strengthen your roofing business.
What Insurance Does My Roofing Company Need?
Each roofing business in Dallas has distinct needs, but specific policies are vital for risk management. Below are key coverages, including what they address and their limitations.
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General Liability Insurance:
Shields against third-party claims for property damage or injuries.-
Covers: Job-site property damage, bodily injuries, false advertising, slander.
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Cost: About $2,800/year for $1M per occurrence/$2M aggregate, recommended minimum.
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Exclusions: Open roof damage, hot tar roofing, buildings over three stories, condos, churches, medical facilities.
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Value: Critical for Roofing contractors to prevent lawsuit-related losses.
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Professional Liability Insurance
Addresses claims from errors in professional advice.
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Covers: Legal fees for faulty recommendations causing client losses.
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Cost: Varies by business size and risk level.
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Exclusions: Intentional errors, non-professional tasks.
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Value: Covers claims beyond General liability insurance.
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Workers’ Compensation Insurance
Supports employees with work-related injuries or illnesses.
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Covers: Medical expenses, lost wages, rehabilitation for employees or uninsured Roofing subcontractors.
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Cost: Around $40 per $100 of payroll, based on safety history and payroll size.
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Exclusions: Non-work injuries, independent contractors without coverage.
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Value: Optional in Texas but necessary for businesses with employees.
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Commercial Auto Insurance
Protects vehicles used for business, such as transporting equipment.
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Covers: Collision/comprehensive damage, liability for caused damages, uninsured motorist claims.
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Cost: About $1,500/year, often tax-deductible.
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Exclusions: Personal vehicle use, non-business accidents.
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Value: Provides stronger protection than personal auto policies.
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Texas Roofing Builder’s Risk Insurance
Covers construction projects during development.
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Covers: Fire, lightning, hail, vandalism, theft, costs like loan interest or lost sales.
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Cost: About $800/year with $1,000 deductible for $100,000 coverage.
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Exclusions: Wear and tear, intentional damage.
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Value: Vital for contractors and stakeholders like property owners.
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Texas Commercial Umbrella Insurance
Extends liability coverage beyond standard policy limits.
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Covers: Excess medical costs, legal fees, property damage beyond other policies.
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Cost: Varies by coverage limits and risk profile.
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Exclusions: Claims outside underlying policies.
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Value: Prevents out-of-pocket costs for large claims.
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Start Your Online Roofer's Insurance Quote with the Thumann Agency, or call us at 972- 991-9100
Texas ACORD Certificates
Certificates of Insurance (COI) verify coverage for clients and partners. These documents provide a clear summary of your roofing company insurance in a professional format.
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Purpose: Offers a one-page overview of policies like insurance for roofing company for third parties.
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Details Included: Policy number, coverage type, insurer, limits, insured parties, effective/expiration dates.
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Alternate Names: Known as ACORD 25 COI or Certificates of Liability Insurance.
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Application: Required by clients or contractors to confirm compliance before projects.
Advantages: Builds trust and simplifies contract processes for roofing businesses.
Roof Insurance Claim Process
Managing a roof insurance claims dallas process can be challenging, but the Thumann Agency supports you at every stage. This guide outlines the steps for a seamless experience.
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Step 1: Filing the Claim
Your insurer provides a claim number and adjuster. Share adjuster details with us to arrange the damage review. -
Step 2: Damage Review
Our team attends the adjuster’s inspection, using satellite imagery and reports to ensure accurate damage assessment. -
Step 3: Securing a Fair Settlement
We analyze the adjuster’s claim summary, address gaps, and negotiate with your insurer for a fair payout. -
Step 4: Claim Funding
Receive the initial check, which may list your mortgage company, pay your deductible, and await depreciation funds. -
Step 5: Roof Repair or Replacement
Work starts once funding is secured, with additional damage documented for supplemental claims if needed. -
Step 6: Recovering Depreciation
After completion, we submit documents to release recoverable depreciation funds. -
Step 7: Final Payment
Collect the final payment, including depreciation and supplements, after mortgage endorsements.
Beware of Insurance Fraud
Insurance fraud can harm your roofing business and reputation. Staying cautious protects your operations and ensures ethical practices.
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Fraud Types: Exaggerating damage claims, falsifying documents, or proposing to waive deductibles.
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Prevention: Verify all details, reject unethical offers, and report suspicious actions to your insurer.
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Importance: Avoiding fraud maintains transparency in roofing insurance dallas tx and safeguards your credibility.
How Much Does Roofers Insurance Cost?
The cost of Tools and equipment coverage and other policies depends on various factors. The Thumann Agency provides customized quotes for optimal value.
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Cost Factors: Business size, coverage types, job scope (residential or commercial), employee numbers, claim history.
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Typical Costs:
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General Liability: About $2,800/year.
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Commercial Auto: About $1,500/year.
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Inland Marine: About $800/year.
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Workers’ Compensation: Around $40 per $100 of payroll.
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Options: Policies like a Business Owner’s Policy (BOP) bundle coverages for affordability.
How Long Does It Take to Get a Quote?
Obtaining a quote for Surety bonds or insurance is fast with the Thumann Agency. We focus on efficiency while ensuring quality.
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Timeframe: Most quotes are ready in under 3 minutes by phone or online.
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Process: Provide your business details, and we’ll find competitive rates from insurers.
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Contact: Call (972) 991-9100 or use our online form for quick results.
Why Choose the Thumann Agency for Your Roofing Insurance?
For over 21 years, the Thumann Agency has supported roofing businesses across Texas. Our knowledge and service distinguish us in the industry.
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Tailored Coverage: We secure competitive rates for policies like Texas Department of Insurance (TDI)-approved plans.
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Regional Expertise: Serving Dallas, Houston, Austin, Corpus Christi, Galveston, and San Antonio with Texas-specific insights.
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Dedicated Support: Our team offers personalized assistance to meet your insurance needs.
Contractor Trust: Licensed by the state, we specialize in roofing and construction insurance.
Client Testimonials For Our Insurance Services
What People Say About the Thuman Agency
⭐⭐⭐⭐⭐ 4.9 out of 5
At Thumann Insurance Agency, our clients value our fast response times, cost-saving solutions, and outstanding service. Many have shared how they received quick, competitive quotes often within hours when other agencies fell short. Customers appreciate our clear explanations of coverage, transparent pricing, and honest guidance on selecting the right policy. Whether for personal or business insurance, our knowledgeable team is committed to making the process simple, stress-free, and tailored t each client’s needs.
FAQ: Your Roofers Insurance Questions Answered
Find clear answers to common questions about roofing insurance to inform your decisions.
Q: What is the best insurance for a roofer?
A: A mix of liability, workers’ compensation, and auto coverage, customized to your business size and job types, is ideal.
Q: What is the new roof law in Texas?
A: Texas House Bill 2102 (2021) mandates written roofing contracts and prohibits waiving deductibles to curb fraud.
Q: How do roofers work with insurance?
A: Roofers assist with damage reviews, provide estimates, and advocate for fair settlements, as detailed in our claim process.
Q: Should a roofer be bonded and insured?
A: Yes, insurance covers liabilities, while bonds ensure project completion, enhancing client trust.
Q: Does Texas require roofers to be licensed?
A: Texas lacks a statewide roofing license, but local areas like Dallas may require permits or registrations, verifiable with the state.
Q: How long does the insurance claim process take?
A: The process typically spans 2 to 6 weeks, based on insurer response, review, and negotiation timelines.
Q: When can you claim roof damage on insurance?
A: Claims are valid for damage from covered events like storms, hail, or vandalism, per your policy.
Q: What should I look for in a roof damage lawyer?
A: Seek a lawyer with experience in Dallas roof claims, a proven track record, and familiarity with Texas insurance laws.
Q: How do insurance companies pay for roof damage?
A: Insurers issue an initial check, minus deductible, followed by depreciation and supplemental payments post-project.