What to request before a roofer starts work: certificate of insurance, workers-comp questions, license or registration source, written scope, and payment milestones.
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RuinShield does not pull live insurance coverage. Insurance verification is a follow-up: ask the roofing contractor for a current certificate of insurance (COI) sent directly from their insurance agent or carrier.
A COI checklist should confirm the named insured, policy dates, liability coverage, workers-comp status where applicable, certificate holder details, job address or project description where available, and agent contact information.
Pair the COI with a state license or registration check, written scope, permit requirement check, warranty terms, and milestone payment schedule. Do not treat a screenshot or old PDF as final proof.
The FTC advises homeowners to check licenses and insurance before hiring and to avoid contractors who pressure immediate decisions, ask for all money upfront, or only accept cash.
No. RuinShield does not pull live insurance coverage. Ask the roofing contractor for a current certificate of insurance sent directly from their insurance agent or carrier.
Check the named insured, policy dates, liability coverage, workers-comp status where applicable, certificate holder details, job address or description where available, and the agent's contact information.
No. Pair the COI with a license or registration check, written scope, permit requirements, warranty terms, and milestone payments. It is one proof item, not the whole decision.