Written by Michael Foote, Insurance Expert
Not Every Claim Against You Will Be Fair
As a roofer, you work in high-risk conditions on properties where issues can emerge weeks or months later. A customer might accuse you of causing a leak, damaging tiles, or leaving the roof unsafe, even when the issue has nothing to do with your work.
When that happens, being able to show exactly what you did (and didn’t do) can mean the difference between a settled claim and a costly legal dispute.
Keep a Clear Paper Trail
Start by documenting every job:
- Provide detailed written quotes and contracts
- Include scope of work, exclusions, and agreed timelines
- Get sign-off from the client before and after work
This can help show that the issue falls outside of what was agreed, especially if a customer adds extra work informally that isn’t covered.
Take Photos Before, During and After
Photographic evidence is one of the best tools at your disposal. Use your phone to:
- Photograph existing damage before you begin
- Document work in progress
- Show the finished job from multiple angles
This can help demonstrate workmanship, materials used, and areas that weren’t touched, which is vital if someone later blames you for something that wasn’t part of your job.
Log Any Issues or Refusals
If the client refuses recommended repairs or insists on cutting corners, make a note of it and confirm in writing (even by text or email). This could be critical if they later allege negligence.
Check Your Insurance Policy Covers Legal Defence
Not all roofers insurance policies automatically include legal support. Without it, you may need to fund your own solicitor to defend a claim, even if you did nothing wrong.
Review your policy carefully or submit your details via our quote form to discuss your policy requirements with one of our specialist partners.
Protect Your Reputation and Your Livelihood
False or mistaken claims can cost you time, money, and referrals. But by keeping records and knowing what your policy does and doesn’t cover, you give yourself the best chance of protecting your business when things go wrong.