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Licensed
& Insured
Your home is your biggest investment. We carry full general liability and workers’ compensation insurance so that you’re protected from the moment we arrive until long after the job is done.
Legal & safety
Why Licensing &
Insurance Matter
Hiring a contractor without proper licensing and insurance is one of the biggest financial risks a homeowner can take. If something goes wrong — a worker is injured, your property is damaged, the work fails inspection — you could be personally liable for costs that run into tens or hundreds of thousands of dollars.
At The Roofing & Siding Company, we maintain comprehensive coverage that protects both you and our team. We’re happy to provide our Certificate of Insurance before any work begins — and we encourage you to request this from any contractor you consider hiring.
What we carry
Our Coverage
General Liability Insurance
Covers damage to your property that may occur during the course of our work. If a crew member accidentally damages your landscaping, breaks a window, or causes any other property damage, our insurance covers the full cost of repair or replacement.
Workers’ Compensation Insurance
Covers medical costs, rehabilitation, and lost wages if any crew member is injured while working on your property. Without this, homeowners can be held liable for workplace injuries — a risk that far outweighs any savings from hiring an uninsured contractor.
State of Colorado License
We are registered and licensed to perform roofing, siding, and window work in the State of Colorado, in full compliance with state and local building codes.
Know the warning signs
Red Flags: Unlicensed & Uninsured Contractors
Protect yourself by watching for these warning signs.
Door-to-door solicitation after storms
“Storm chasers” travel from state to state following severe weather. Many are unlicensed, uninsured, and will be gone before warranty issues arise.
Reluctance to provide proof of insurance
Any legitimate contractor will happily provide a Certificate of Insurance. If they hesitate or make excuses, walk away.
Cash-only or large upfront payments
Reputable contractors accept standard payment methods and don’t demand full payment before work begins.
No physical business address
A P.O. box or out-of-state address makes it difficult to hold a contractor accountable after the job.
Pressure to sign immediately
A good contractor gives you time to review estimates, check references, and make an informed decision.
Beyond licensing and insurance
Additional Certifications
We hold industry certifications that further demonstrate our commitment to quality.
Denver & the Front Range
Hire a Contractor You Can Trust
Licensed. Insured. Certified. Free estimates.
Questions, answered
Licensing & Insurance FAQ
What does ‘licensed’ mean for a roofing contractor?
A licensed contractor has met the requirements set by state and local authorities to legally perform construction work. In Colorado, this includes registering with the state, meeting experience requirements, and complying with building codes. An unlicensed contractor is operating illegally, and work they perform may not pass inspection or be covered by your insurance.
What does ‘insured’ mean and why does it matter?
An insured contractor carries general liability insurance and workers’ compensation insurance. General liability covers damage to your property caused during the work. Workers’ comp covers medical costs and lost wages if a worker is injured on your property. Without these, YOU could be held financially responsible for accidents — even if they’re not your fault.
How can I verify a contractor’s insurance?
Ask for a Certificate of Insurance (COI) before work begins. A reputable contractor will provide this without hesitation. The COI should show current general liability and workers’ comp coverage with adequate limits. You can also call the insurance company listed on the certificate to verify it’s active.
What happens if I hire an uninsured contractor?
If an uninsured contractor damages your property, you’ll likely need to file a claim against your own homeowner’s insurance — increasing your premiums. If a worker is injured on your property and the contractor has no workers’ comp, you could be sued for medical expenses. The savings from hiring a cheaper, uninsured contractor never outweigh these risks.
Finding a good contractor
shouldn't be hard
Living with a damaged roof or failing siding is stressful enough. But often, the 'fix' feels worse than the problem. The last thing you need is a pushy salesman trying to rip you off or a disorganized crew that you're forced to babysit because they won't communicate.
That's why we focus on making this process easy for you. Our professional team will provide the high-quality results you expect while keeping you informed every step of the way. Homeowners rate us 5 stars because we treat you and your property with the care you deserve.
Insured crews, on every roof we touch.
Licensed in Colorado, working where we live.
Elite means vetted
A James Hardie
Alliance Elite Contractor
Factory-trained, quality-audited, and backed by the #1 name in fiber cement siding. When James Hardie puts their badge on our work, you can put your trust in it.
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