Roofing repair insurance that covers storm season, re-roofs, and every repair call.

Cost depends on crew size, payroll, revenue, repair vs. storm restoration mix, seasonal volume, states worked, and loss history. We quote your actual operation in about 15 minutes — never a generic estimate.

Yes, in meaningful ways. Repair work is more variable — smaller jobs, more frequent completed-ops exposure per job, storm-season volume swings, and different crew deployment patterns. We place programs sized for repair operations, not new-construction crews.

Yes — your GL covers your operations during storm restoration work, including third-party property damage during the job and completed-operations liability afterward. But make sure the completed-ops tail is structured correctly, because repair work creates just as much post-job exposure as full installation.

It's a claim that arises after a repair job is done — like a homeowner claiming water intrusion from a poorly sealed pipe boot or flashing repaired months ago. GL with proper completed-ops coverage defends and pays these claims.

Yes. We work with markets that understand seasonal payroll swings and can structure workers' comp and GL programs that accommodate surge capacity without mid-season cancellation or audit surprises.

It should — if structured correctly. Seasonal and surge workers need to be reflected in your estimated payroll. We structure workers' comp to cover your seasonal volume so an audit at year-end doesn't produce a large unexpected bill.

Nail guns, compressors, generators, ladders, tarps, hand tools, and any equipment your crews take to job sites. Inland marine covers these at job sites, in trucks, and in transit — where standard commercial property doesn't reach.

Yes. Hired and non-owned auto (HNOA) covers liability when employees drive personal vehicles on your business. Without it, an at-fault accident in a personal truck driven for your company's repair jobs could leave your business exposed.

Yes — emergency tarping is covered under your GL and workers' comp as a roofing operation. This is often the first work done after a storm event and creates real fall and injury exposure that needs to be covered.

Yes. Many repair contractors also do full re-roofs after storm damage. We build programs that cover your full scope — repair, restoration, and reroof work — under one coordinated policy.

CPL covers bodily injury and property damage from pollutants released during roofing repair operations — hot asphalt, solvents, adhesives, and asbestos disturbed during tear-off of old roofing. Standard GL excludes these exposures; CPL fills the gap.

Depending on your state, yes. Many states require a contractor license bond as a condition of roofing contractor licensure — regardless of whether you do new installation or repair only. We can place bonds alongside your insurance.

Yes. We structure programs with GL, workers' comp, and commercial auto that cover multi-state operations — including contractors who follow storm systems across state lines during busy seasons.

Yes — especially for contractors bidding commercial repair work or working for GCs who require $5M or higher combined limits on certificates. An umbrella above your GL and auto provides those limits at a relatively low cost.

Roofing repair crews typically fall under the same codes as roofing installation — code 5551 and related codes depending on state and work type. Correct classification is critical for accurate workers' comp pricing and avoiding audit surprises.

Yes. Contractors Choice Agency is licensed in all 50 states and has markets for roofing repair contractors whether you're in a storm-market state or working year-round residential repair anywhere in the country.

Typically 15 minutes on a call. Programs with surge-capacity needs or multi-state exposure may take a day or two with certain markets, but we move fast and set expectations up front.

Usually yes. Bundling GL, workers' comp, commercial auto, and tools into one coordinated program closes gaps between policies and is typically cheaper and cleaner than separate policies from separate carriers.

Often yes. We have admitted and E&S markets for repair contractors declined over loss history, storm-season claim volume, or high-hazard exposure. Bring us your situation and we'll find a path.