York Roofer | Insurance 

Under UK law, homeowners and property owners must exercise “reasonable care” in hiring competent contractors. Failing to check that your roofer is insured could make you liable for injury, damage, or defective works under the Occupiers’ Liability Act 1957 and other common law duties.

At Roof York, we are a York Roofer that takes our responsibility to clients seriously by providing comprehensive insurance cover and clear working systems in accordance with best practice. 

If your roofer accidentally damages your property — whether a conservatory, driveway, or internal ceiling — public liability insurance ensures the damage is covered. Without it, you may have to claim on your own home insurance, potentially affecting your premiums.

At Roof York, as a York Roofer, we strive to take care of our clients property an seek to minimise the potential for any damage by clearly assessing all risks in advance of commencing work on site. 

If a roofer’s employee or subcontractor is injured on your property and the roofer isn’t insured, the injured party could pursue you as the homeowner — especially if unsafe conditions are alleged.

Employers’ liability insurance is legally required for any contractor with staff. Always ask for evidence.

At Roof York, as a York Roofer, we carry both public and employers liability insurance way above industry norms. Being part of a larger group of companies helps us comply. 

A reputable York roofer will never hesitate to provide their insurance documents. If a contractor is evasive, reluctant, or dismissive — it’s a red flag. Trustworthy roofers welcome transparency and accountability.

If your re-roofing work is subject to Building Regulations, lenders or solicitors may request proof of the contractor’s insurance and credentials. This is especially common when warranties or NFRC CPS self-certification is involved.

It is unfortunate that many companies operating as a York Roofer simply overlook compliance with Building Regulations, this should not be allowed and clients must clearly understand their responsibilities to comply with replacing 25% or more of a roof area on a subject property. 

Even if a roofer offers a “guarantee,” it may be worthless if they’re uninsured or cease trading. A valid insurance policy provides a legal safety net that your warranty claim can fall back on if the company disappears.

Falling tools, broken tiles, or even a cracked window — a busy roofing site can affect more than just your roof. Insurance ensures you’re protected from the unexpected, not just workmanship.

Ask to see that the policy includes:

• High-level work or scaffolding

• Hot works or torch-on systems (if applicable)

• Structural alterations or leadwork

Roof York’s policies specifically include these as standard. Not all do.

Without valid insurance, your only recourse may be small claims court — often time-consuming, expensive, and unlikely to result in full compensation. Protect yourself from this risk by confirming cover before any work starts.

A fully insured roofer is one who takes their business, your home, and your safety seriously. At Roof York, we’re proud to offer complete peace of mind with every project — with documentation to back it up.