Think all roofers and roof cleaners are the same, despite variations in price? Think again. When you hire any random roofer, it’s really important to verify a few facts, and one of the most important is whether they are properly insured as a “roofer.” Because of the way worker’s compensation works, anyone performing any type of work on a residential roof, including cleaning, is considered a “roofer,” and as a homeowner, you become liable for any injuries sustained on your roof. There are many companies out there who do not back themselves up with the appropriate insurance, and just because they advertise themselves as “licensed & insured” does not mean they are, nor does it mean it is a guarantee that they have the right coverage. Therefore, it is in your best interest to do the most responsible thing when hiring a roof cleaning company, and research them thoroughly.
Roof cleaning companies need to take the appropriate precautions to have the right insurance coverage, but many do not. Slips and falls, traumatic brain injuries, back injuries, head injuries, among many other types of dangers are possible when working on roofs, and whatever the injury may be, if the proper workers’ compensation insurance protection is not in place, you could be facing an array of medical and legal bills you never intended when all you wanted was to get your roof cleaned.
So, how do you work around this? How do you know who you’re hiring is a serious, licensed, insured, and bonded company that has the experience, skill and expertise to actually be working and cleaning your roof? You ask them to verify it. Or you hire Fiddler Roof Cleaning. Specifically, it is extremely advisable to be working with a company that is upfront about what they do to ensure their workers’ safety, and that being “insured” covers the most important factors such as covering their employees in the event of an emergency, should workers’ compensation be a necessity.
Many people are not aware of workers’ compensation code 5551, but if you’re hiring a roofer, understanding these basic facts can potentially protect you down the road. Code 5551 is a particular section of workers’ compensation insurance that protects the worker from injuries in high risk situations, such as in the case of roofing. If an injury is sustained on your property, or the property of a housing community, and the employee is not rightfully covered, they then become your responsibility.
How can we help? Well, keep in mind that we proudly advertise our services as competitively priced and are fully insured, so you not only get affordability, the best in service (Fiddler Roof Cleaning has earned an A rating with the Better Business Bureau), an entirely eco-friendly product range that is safe for your lawn, pets, and the environment, but also a workforce that is properly covered in the event of injuries. Every Fiddler employee is covered under this type of insurance, and despite the high cost, which can be 3 – 4 times the average price for workers’ compensation insurance, we take no chances when it comes to protecting our employees, and our customers.
So, what is our advice to you, as industry professionals? Always, always do your research prior to hiring. 5551 insurance coverage is a must for anyone doing any type of work on your roof. Fiddler Roof Cleaning aims to provide an excellent array of services that cater to needs of every homeowner, without the threat of being uninsured. Should you have any questions, or would like more information on our products, services, warranty, or guarantees, do not hesitate to contact us!