10 l ROOFINGBC l SPRING 2019 RCABC UPDATE BRYAN WALLNER Chief Executive Officer, RCABC ROOFING LIABILITY INSURANCE – THERE IS A DIFFERENCE A s the cost of roofing liability insurance has increased in recent years, there is increased pressure on contractors to manage their costs. This can be done a number of ways, including: lowering coverage limits, increasing deduct- ibles, reducing coverage terms, reducing exposure to claims and for some less reputable companies, operating without valid insurance. As a Building Owner, Design Authority, Consultant or General Contractor, it’s important that you’re aware of the varying conditions under Roofing Contractors’ Liability policies and the potential risk this can present to your business. It is critical that you receive detailed confir- mation of insurance from Roofing Contractors that provides you with full policy information. In particular, be aware of the following: Warranties Roofing Liability policies are subject to very strict warranties with respect to hot work/torch-on operations. Policies stipulate minimum time limits for which the roofer must ensure a watch is provided following any hot work. These time limits can vary greatly between policies. Some require a one-hour watch while others can require up to a four-hour watch time. Failure to comply with these warranties will completely void all coverage under the Liability policy. As the Owner, Design Authority, Consultant or General Contractor, this Liability can then be passed on to you and you can be deemed liable in the absence of a valid Liability policy from the Roofing Contractor. Ask us about our deliveries! www.roofmart.ca SPECIFYWITH CONFIDENCE