You don't need a separate policy for winter, but your coverage needs to match the work you're actually doing. Winter roofing brings more emergency repairs, ice dam jobs, and temporary tarping, which raises your risk for falls and water damage claims. Make sure your general liability, workers' comp, and completed operations coverage can handle it.
Roofing doesn't stop when the temperature drops in Indiana, Illinois, and Michigan. Storm damage, heavy snow, and lake effect weather keep roofers busy with repairs and emergency calls all winter. The jobs look different than summer reroofs, and so do the claims. Here's what we walk our roofing clients through every fall.
Are ice dam and snow load repairs covered?
Generally, yes, as long as that work falls under the operations listed on your policy. General liability covers damage you cause to a customer's home, like breaking gutters while removing ice or damaging shingles while clearing snow. If you've added services like ice dam steaming or snow removal from roofs, let your agent know so your policy reflects it.
What if a tarp job fails and causes water damage?
This is one of the most common winter claims we see. A tarp blows off in a storm, water gets inside, and now there's a ruined ceiling and soaked insulation. Completed operations coverage, part of most general liability policies, can respond to damage that happens after you leave the job. Watch for water damage exclusions or limits, especially on policies written for roofers. That's worth a close read.
Does workers' comp cost more in winter?
Your rates don't change by season, but your risk does. Icy surfaces and short daylight hours make falls more likely, and workers' compensation claims for roofers can be expensive. Rates are based on your payroll and job classifications, and they're adjusted at audit. Keeping your payroll records accurate and your safety program documented helps keep costs in check.
Remember that rules vary:
Do I need higher limits for storm work?
If you're chasing storm damage or working with insurance adjusters on claims jobs, property managers and general contractors may require higher limits or an umbrella policy. An umbrella adds extra liability protection on top of your general liability and auto policies.
Are my tools and materials covered on the job site?
Not by general liability. Inland marine or contractor's equipment coverage protects your tools, ladders, and materials against theft and damage. Job site theft doesn't take a winter break.
Let's Make Sure You're Covered All Winter
Winter work keeps the lights on for a lot of roofing companies, but it comes with its own risks. We've been helping contractors across Indiana, Illinois, and Michigan for generations, and we know roofing. Reach out and we'll review your policy before the snow really starts flying.
Disclaimer: This article is provided by Shurr Insurance Agency for general informational purposes only and does not constitute insurance, legal, or financial advice. Coverage availability, terms, and requirements vary by carrier and state. Please contact Shurr Insurance Agency to discuss your specific situation.