Installation Floater Insurance for Residential Roofing Contractors
Installation floater insurance covers roofing materials from the moment they leave the supplier until installation is complete and the homeowner accepts the work. A pallet of architectural shingles sitting on a driveway or staged on a roof is vulnerable to theft, wind damage, and vandalism. This policy protects that investment.
What It Covers
Installation floater covers the materials you purchase for a roofing job including shingles, underlayment, flashing, ridge vents, and decking materials. Coverage applies during transit to the job site, while staged on the ground or roof, and throughout the installation process until the project is finished. Covered perils include theft, fire, wind, vandalism, and accidental damage.
What It Does Not Cover
Installation floater does not cover materials once the roofing project is complete and accepted by the homeowner (completed operations takes over at that point). It excludes faulty workmanship, defective materials, losses caused by your own employees intentionally, and materials stored at your permanent warehouse (that falls under property insurance).
Real Claim Examples
A delivery of 60 squares of premium architectural shingles worth $9,000 is stolen overnight from a homeowner's driveway before installation begins. High winds blow staged materials off a roof, destroying underlayment and flashing supplies. A vehicle strikes material pallets staged curbside, rendering $6,000 in copper flashing unusable.
How Much It Costs
Installation floater premiums for residential roofers range from $1,200 to $4,500 per year depending on the maximum value of materials at any single job site and your annual material purchases. Policies typically cover project values from $50,000 to $500,000. Deductibles are usually $500 to $2,500 per occurrence.
Why Work With Us for This Coverage
Residential roofing projects involve rapid material staging and fast installation timelines that generic floater policies struggle to accommodate. We structure policies with per-project limits that match how residential roofers actually operate, not how commercial GCs do.
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Looking for the commercial version?
View commercial coverage page