Asphalt Shingle Roofing Contractor Insurance
Asphalt shingle contractors represent the largest segment of residential roofing, installing the material that covers approximately 80% of American homes. While the work itself is well-understood by underwriters, the sheer volume of contractors competing in this space means carriers can be selective, favoring operations with clean loss histories and documented safety programs.
Risks Specific to This Sub-Trade
High wind callbacks are the dominant completed operations exposure, with improperly sealed shingle tabs generating claims 1-3 years after installation during major wind events. The commodity nature of asphalt shingle work creates price competition that pushes crew speeds, increasing both fall frequency and nailing pattern deficiencies. Tear-off operations generate substantial debris that can damage vehicles, landscaping, and adjacent properties. Hot-weather installation during summer months increases heat-related WC claims and material handling complaints from pliable shingles.
Coverages This Sub-Trade Needs
Carriers That Write This Sub-Trade
Asphalt shingle roofing is the most broadly written residential roofing class with strong admitted market availability. Carriers like Hartford, Employers, AmTrust, and Travelers actively compete for clean asphalt shingle accounts. Even accounts with moderate loss histories can find coverage in the standard market. Manufacturer certifications (GAF, CertainTeed, Owens Corning) provide preferred pricing tiers with many carriers.
What Disqualifies an Account
Accounts with a loss ratio above 65% sustained over three years will cycle out of admitted markets. Contractors who primarily perform storm chasing but describe themselves as standard shingle contractors will be discovered at audit and face cancellation. Operations with OSHA citations for fall protection violations are declined by most admitted carriers for a minimum of three years.
Frequently Asked Questions
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