Insurance does not cover workmanship. The insurance is there to cover worker
and damage whlie the work is being performed. Most contractors will give a
warantee as well as the manufacturer. Most manufacturers give around 30 years
for the shingles unless we are talking about a flat roof.
----- Original Message ----
From: radio881gal <[EMAIL PROTECTED]>
To: AsburyPark@yahoogroups.com
Sent: Saturday, July 14, 2007 8:49:43 PM
Subject: [AsburyPark] Roof Question
Hey everybody -
Got a question for you.
Most of us on this board have bought at least one roof in our lives.
I'm lucky enough to have bought two in eight years.
This is Asbury Park where tons of dollars have gone into renovations.
So I figured this board would have something to say on the subject.
My question is when, as part of your due diligence, you ask the
contractor to supply that proof of insurance - not the workman's
comp, the liability policy - are you thinking that that policy will
protect you if that roof fails?
I'm not looking for a legal or insurance company opinion. I'd like
to know what 'the prudent man' would expect. What does the average
person think?
I've been 10 rounds with my roofer over the past three years and a
year of back and forth with his insurance company - Ohio Casualty -
which now claims they don't insure workmanship.
If I can ferret out the language from my homeowner's policy I'll
try scanning it in so you can see where the agent says that policy
purports to say in oh-so-many-words the same - not responsible for
workmanship. I'm sure if I had the whole roofer's policy it would
show the same impenetrable passage.
Your opinion?
Thanks much,
Maureen
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