Why Insurance Matters More Than You Might Think
Hiring a roofer without proper insurance is one of the costliest mistakes a homeowner can make. If a contractor is injured on your roof, or causes damage to your property, you could find yourself liable — even if you had no idea the roofer was uninsured. In Fakenham and across north Norfolk, we hear from homeowners every year who've been caught out by this.
Roofing is physically demanding, high-risk work. A tradesperson working at height on a wet Norfolk morning, perhaps on one of the older flint-and-brick terraces in the town centre, faces genuine hazards every day. Insurance isn't just a formality — it's the thing that protects you when something goes wrong.
The Two Types of Insurance Every Roofer Must Have
There are two policies you should always ask about before any roofer sets foot on your property.
- Public liability insurance — This covers damage to your home or injury to third parties caused by the roofer's work. A minimum of £1 million cover is standard, though many reputable contractors carry £2 million or more. If a roofer drops materials onto a neighbour's car or cracks a window during roof repairs, public liability pays for it.
- Employers' liability insurance — If the roofer brings a labourer or apprentice onto your job, they are legally required to hold employers' liability insurance worth at least £5 million. This is a legal requirement under the Employers' Liability (Compulsory Insurance) Act 1969, not an optional extra. Any roofer working with staff who doesn't hold this policy is breaking the law.
Some contractors also carry contract works insurance, which covers the job itself if it's damaged mid-way through — particularly relevant for larger projects like roof replacements or new builds.
How to Actually Verify a Roofer's Insurance
Don't just take a roofer's word for it. Asking to see a certificate of insurance is entirely normal and any professional will produce one without hesitation. Here's what to check when you look at it:
- The policy is current and hasn't lapsed
- The level of cover is sufficient — at least £1 million public liability
- The certificate names the contractor or company you're hiring (not a different trading name)
- The type of work covered matches what they'll be doing — some policies exclude working above a certain height, or exclude specific trades like lead work
If a roofer is evasive, claims they'll email it later and never does, or shows you a certificate that looks altered, walk away. A trustworthy roofer will have these documents to hand.
You can also look up whether a contractor is a member of a trade body. The National Federation of Roofing Contractors (NFRC) requires members to hold adequate insurance as a condition of membership. Checking membership takes two minutes online and adds a useful layer of reassurance.
Red Flags to Watch Out For in North Norfolk
Fakenham and the surrounding villages — from Holt to Burnham Market — attract itinerant traders, particularly after storms. North Norfolk's coastal exposure means the area regularly experiences wind damage, and it's common for unregistered crews to move through the region after bad weather, offering quick fixes at low prices.
Be wary of any roofer who:
- Knocks on your door unsolicited after a storm
- Asks for a large cash deposit upfront before any work starts
- Cannot provide a physical address or landline number
- Refuses to put a quote in writing
- Pressures you to make a decision the same day
These aren't always signs of fraud, but they are signs of a contractor who isn't operating to professional standards — and who almost certainly won't have adequate insurance in place.
For formal guidance on your rights when hiring a tradesperson, the GOV.UK advice on consumer contracts is a useful starting point.
What Happens If You Use an Uninsured Roofer
If an uninsured roofer is injured on your property, your home insurance may refuse to cover the claim — particularly if it can be shown you failed to check the contractor's credentials. You could face a civil claim from the injured party directly.
If the roofer causes accidental damage — a broken skylight, cracked render, damaged guttering — and has no public liability insurance, there is no policy to claim against. Your only recourse is to pursue the contractor personally, which is often fruitless if they've taken your money and moved on.
The short version: always check before work starts, not after something goes wrong.
If you'd like a free survey and written quote from a fully insured local roofing team, get in touch with Fakenham Roofers. We cover Fakenham and across north Norfolk and are happy to show you our insurance certificates before we lift a single tile.
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