What exactly is ten-year civil liability?
In most cases, it’s called a “ten-year warranty.” It’s mandatory insurance for all construction professionals, including roofers. It covers repairs related to serious damage for ten years after the work is completed . And when it comes to roofing work, you can imagine the consequences if something goes wrong.
Concretely, if a problem with solidity or structure arises after the construction site has been accepted, it is the insurance that covers the repairs. The ten-year roofer’s guarantee is as much a protection for your business as it is for your customers . It reassures everyone and saves you from having to pay in the event of an unforeseen disaster. Moreover, it is required by law, it is impossible to start a construction site without it.
Why is ten-year civil liability so important for roofers?
In a sector as exposed as construction, prevention is better than cure. And for a roofing professional, the risk is high, because the roof is one of the most sensitive elements of a building . If it gives way or lets water through, the entire structure can be in danger . Therefore, having this ten-year civil liability insurance is almost a survival reflex for roofers.
In fact, every mistake or defect can cost a fortune, not only in money, but also in reputation. The ten-year warranty allows construction professionals to avoid paying for repairs out of pocket , sometimes years after the project is completed. It also represents proof of seriousness. This professional insurance reassures customers, and allows you to sign contracts more easily.
How to choose your ten-year civil liability insurance for roofers?
A roofing contractor compares two ten-year insurance quotes on a tablet in his office, looking diligent and thoughtful.
Each business has its own specificities, so there’s no magic formula. You need to consider the size of your company, the types of work you do, the volume of work you plan to do, your experience, and more. In short, roofers’ ten-year civil liability insurance is a tailor-made solution.
This is why it’s important to shop around and turn to experts in the field. Companies like April Construction, for example, specialize in this area. They know the field and the realities of the industry. They offer solutions designed for building professionals , and especially for you, the roofers. Whether you’re just starting out or already well-established, their offerings are tailored to your needs.
And budget-wise, what should we expect?
When it comes to ten-year civil liability insurance for roofers, there’s no fixed rate. The cost depends on a variety of factors: your status, your claims history, the specific nature of your projects, etc. Yes, it may seem expensive at first. However, compared to the risk of having to finance everything in the event of poor workmanship, the calculation is easy.
Besides, an uncovered claim can jeopardize your business. And in this case, you quickly regret not having invested in real coverage. The idea is to see this expense as long-term security . Moreover, it’s an argument to promote your work to your clients and land more advantageous contracts.