Common questions about Roofers
Answering the most frequently asked questions about Roofers.
Do I need builder’s risk?Gravity Certs2026-08-17T23:40:10-04:00
On new construction and full tear-offs, often yes, particularly where the structure is exposed between phases.
What limits do GCs require?Gravity Certs2026-08-17T23:40:10-04:00
One million primary with substantial excess is standard, and many New York projects require five million or more.
Am I liable for leaks after completion?Gravity Certs2026-08-17T23:40:09-04:00
Yes, under completed operations. Water intrusion is the leading roofing claim and often surfaces seasons later.
Is interior water damage covered?Gravity Certs2026-08-17T23:40:09-04:00
Resulting damage to the building interior generally is. Replacing your own defective roof work usually isn’t.
Why is roofing the hardest trade to insure?Gravity Certs2026-08-17T23:40:08-04:00
Fall severity. Labor Law 240 makes gravity-related injury claims severe, and many carriers decline the class outright.
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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