Residential Reroofing Insurance

Risks Specific to This Sub-Trade

Tear-off operations create the highest-frequency property damage claims in residential roofing, as falling debris damages siding, windows, HVAC units, vehicles, and landscaping below. Interior water damage from unexpected weather during the exposed-deck phase generates claims that can exceed $50,000 on higher-end homes. The combination of demolition and installation in a single project doubles the time-on-roof versus repair work, proportionally increasing fall exposure. Disposal of old roofing materials creates environmental liability from improper handling of asbestos-containing materials on pre-1980 homes.

Coverages This Sub-Trade Needs

Carriers That Write This Sub-Trade

Residential reroofing is the most commonly written roofing classification with strong competition among admitted carriers. Markets including Hartford, Travelers, AmTrust, Employers, and EMC actively compete for clean reroofing accounts. This broad availability means pricing is competitive for accounts with loss ratios below 50% and experience mods at or below 1.0. Accounts that drift above these benchmarks still find E&S options through Kinsale, BTIS, or Colony.

What Disqualifies an Account

Property damage frequency exceeding three claims per policy period indicates poor jobsite management and triggers non-renewal. Contractors discovered working on homes containing asbestos without proper abatement licensing face immediate cancellation and potential retroactive coverage voidance. Operations that consistently underestimate project duration and leave homes exposed overnight without temporary weatherproofing develop a claims pattern that carriers identify and avoid.

Premium Range

Reroofing contractors with one crew generating $300K-$600K revenue typically pay $7,000-$14,000 for a standard GL/WC/Auto package. Mid-size operations at $1M-$3M revenue pay $20,000-$55,000 with competitive pricing available for clean accounts. Larger reroofing operations above $3M should expect $60,000-$130,000, with pricing strongly tied to the trailing three-year loss ratio and experience modification factor.