It’s summertime in West Virginia, and that means it’s project season. Whether it’s roof repairs, HVAC upgrades, or backyard makeovers, many folks are bringing in professionals to tackle home improvements.
Before anyone picks up a hammer or climbs a ladder on your property, there’s one simple step that could save you a major headache later:
👉 Ask for proof of insurance.
We know, it’s easy to assume everything’s covered. But if your contractor doesn’t carry insurance and something goes wrong, you could end up on the hook for it.
Why Contractor Insurance Matters
When someone is doing work on your home, accidents can happen. A worker could fall off the roof. A tool could damage your siding or car. Electrical work could spark a fire. And if that contractor doesn’t have their own coverage?
Your homeowners’ insurance might not be enough to protect you.
That’s why insurance matters. It protects you and them—and helps everyone sleep a little easier at night.
What You Should Ask For
Before the work begins, ask your contractor for a Certificate of Insurance (COI). It’s a standard document that shows they have:
- General liability coverage — protects against property damage or injury
- Workers’ compensation — covers their employees if they get hurt
- Up-to-date policy info — so you know it’s active and valid
Pro tip: Ask to be listed as an “additional insured” if possible. It adds an extra layer of protection.
Who This Applies To
Just about anyone doing paid work on your property. But it’s especially important for:
- Roofers
- Electricians
- HVAC technicians
- Contractors working at height or with heavy equipment
Even smaller jobs—like a tree removal or deck repair—can carry big risks. Don’t be afraid to ask. A good contractor will expect the question.
Bonus Tip: Check Your Own Policy
Your homeowners insurance may provide some liability protection, but don’t assume it covers everything. Give us a call and we’ll walk through your coverage, make sure your limits are solid, and see if an umbrella policy might make sense—especially if you’re doing major upgrades.
We’ve Got Your Back
At Davis Insurance, we’re proud to help West Virginia families protect what they’ve worked hard for. So if you’re gearing up for a home project this summer, let’s make sure your insurance is ready too—before the first nail is hammered.
Call us today to double-check your coverage or ask about contractor liability.
We’re local, we’re experienced, and we’re always happy to help.
Let’s keep your summer projects safe from start to finish.