Open Roof, Sudden Rain: Review the Roofing Policy Before Tear-Off
Quick answer: Rain damage during a roofing job is not automatically covered by general liability. Review open-roof, water-intrusion, weather-protection and work exclusions before tear-off. The scope, temporary protection plan and records of conditions matter; a certificate showing a liability limit does not answer whether a particular loss is insured.
Ask about the operation, not just “roofing coverage”
Describe tear-off size, roof type, occupied space below, working height and temporary protection. If torch work, coatings or subcontractors are involved, include them. Ask the insurer to identify the relevant exclusions and any required safeguards in writing.
| Question | Record to prepare |
|---|---|
| How much roof will be open? | Daily work scope and sequencing |
| What is below the work? | Occupancy, contents and sensitive equipment |
| Who maintains temporary protection? | Assigned responsibility and inspection record |
| What if the weather changes? | Escalation and protection plan |
Separate the roof from resulting damage
The cost of correcting your own work and a claim for damage to someone else's property can be treated differently. Have the broker review both. Also determine who insures project materials and the existing building during construction. Do not assume the owner's property policy fills a contractor-policy gap.
Keep useful daily evidence
Retain dated condition photographs, work areas, weather observations, protection installed and the supervisor's handoff. Follow qualified safety direction for roof access and fall protection; documentation should never require an unsafe action.
Resolve uncertain terms before starting
Provide the proposed contract and actual operations when seeking quotes. A commercial insurance guide is a starting point, while the issued forms and endorsements control coverage. Ask for clarification before the job, when changing the method or arranging protection is still possible.