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Roofing & Restoration
Roofing and Restoration Insurance Built Around the Crew Schedule
Residential and commercial roofing, storm and hail work, and interior restoration after water and fire damage. This is the agency’s primary focus, and the work Wendy Carter knows from the contractor side.
How the Work Runs
Two Companies Under One Name
Most roofing companies are running at least two operations. Residential retail work is sold at the kitchen table, performed in a day or two, and paid by a homeowner or through their insurance claim. Commercial reroofing is bid, scheduled around a tenant, governed by a contract, and paid on a schedule of values with retainage.
They are underwritten differently, they are priced differently, and they create different problems. A program built for one and quietly used for the other is one of the first things the review checks.
Add restoration and there is a third operation: crews working inside an occupied building, drying equipment running for days, contents being moved, and interior finishes that were already worn before anyone arrived.
Storm season does not just increase revenue. It increases subcontractor use, new hires, truck miles and the number of certificates somebody has to issue in a week.
What We Look At
Where Roofing and Restoration Programs Actually Get Tested
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Residential and commercial split
The revenue mix by type of work, because it drives classification, limits, contract requirements and which carriers will even look at the account. The split from two years ago is rarely the split today.
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Storm and catastrophe work
Out-of-area crews, temporary labor, rented equipment, a spike in miles driven and a spike in the volume of documents. Also the question of what happens to payroll and classification when the season ends.
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Subcontractor controls
Whether crews are employees or subcontractors, what the written agreement requires, what is collected before the first job, and whether anybody checks it again. Uninsured or underinsured subcontractors usually surface at a premium audit or a claim.
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Issued endorsements and certificates
Property managers, general contractors and commercial owners request specific wording. Additional insured status, waiver of subrogation and primary and noncontributory language come from endorsements actually issued on the policy, not from a line typed into a certificate.
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Fleet and driver exposure
Trucks, dump trailers, material trailers and equipment trailers, plus who is driving them, what their records show, and whether the company is using personal vehicles or rented trucks during a busy stretch.
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Fall and injury exposure
Work at height is the defining exposure in this trade. It affects workers’ compensation pricing, carrier appetite and what a carrier expects to see in terms of training and site practice. We are not a safety consultant, and we will tell you where a safety professional belongs in the conversation.
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Tools and equipment
Compressors, nail guns, ladders, lifts, kettles, drying and dehumidification equipment. Owned, rented and leased items are handled differently, and a rented lift sitting on a job site over a weekend is a routine gap.
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Completed operations
A roof installed last year that leaks this year is a completed operations question. The coverage that responds depends on when the work was done, what the policy said then, and whether continuous coverage has been maintained since.
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Property being worked on
Damage to the building you are working on is treated differently from damage to the rest of the property. Interior water intrusion during a tear-off is the classic example, and it is worth understanding before it happens rather than after.
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Payroll and classification
Residential roofing, commercial roofing, sheet metal, restoration and office work are not the same class. How payroll is recorded and split determines the workers’ compensation premium and what the audit concludes.
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Restoration exposures
Water, fire and interior damage work brings its own set: moisture readings and drying logs, contents handling, mold, occupied buildings, and customers under stress. It also brings work performed alongside an insurance claim, which raises documentation expectations.
Coverage That Usually Belongs Here
The Lines a Roofing or Restoration Program Is Built From
Which of these apply, and at what limits, depends on the operation, the contracts in force and carrier underwriting.
The operation
The work performed, the injuries that happen performing it, and the liability that follows the completed job.
- General liability including completed operations
- Workers’ compensation
- Umbrella and excess liability
- Pollution liability where the work creates the exposure
Vehicles and equipment
Everything that moves between the shop and the job site, and the people moving it.
- Commercial auto
- Hired and non-owned auto
- Inland marine and equipment floaters
- Tools, trailers and rented equipment
Property and projects
The shop and yard, materials in transit or staged on site, and the work in place on a commercial project.
- Commercial property
- Builders risk or installation coverage
- Property in transit
- Business interruption
The organization and its people
Office exposures and the workforce questions that come with a crew-based payroll.
- Cyber liability
- Employment practices liability
- Group health, life and voluntary benefits
- Key-person protection and buy-sell funding
Coverage availability, eligibility, limits, forms and pricing are determined by the issuing carrier and are subject to underwriting and application. Nothing here binds or guarantees coverage.
What We Ask For
Where the Review Starts
A roofing and restoration review is mostly document work at the start, and it is faster than most owners expect once the file is assembled.
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The current policies
Declarations pages and any endorsements that matter, for every line in force.
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Revenue by type of work
Residential, commercial and restoration, split the way the company actually bills it.
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Payroll by classification
Field, shop and office, plus how crews performing more than one kind of work are recorded.
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Vehicle and equipment schedules
Including trailers, rented and leased items, and who is authorized to drive.
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Subcontractor practices
The written agreement in use and the documents currently collected.
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Contracts and insurance requirements
Any agreement that sets limits, endorsements or notice obligations.
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Loss history
Carrier loss runs for the current and prior terms.
These are requested after a first conversation, not through the website, and we explain how they will be collected at that point.
Questions We Get
What Roofing and Restoration Owners Ask
Yes. Both are common on roofing accounts, and they raise different questions. The important thing is that the program reflects the actual mix rather than whichever one the company started with.
No. LuxeStone is an insurance agency. We place and service insurance programs for the contractor, and we help our clients report and follow their own claims through the carrier process. We are not a public adjuster and we do not negotiate claim settlements for a fee.
It is common, and it is better to say so early. Carriers ask about subcontractor practices, and a premium audit will reach the same facts eventually. Sorting it out is part of the work.
Usually yes. Different classification, different liability profile, occupied buildings, and equipment that stays on site for days. It is worth reviewing before the first large job rather than at the next renewal.
Next Step
Tell Us About the Crews, the Trucks and the Contracts
Start with the brief form or a call and a plain description of the work. If the renewal is close, say so, and we will tell you honestly whether there is time to do it properly.
Direct line: 806-274-0382. Email: wendy@luxestoneinsadvisors.com.