As a roofing contractor, you must know that accidents can happen anytime, and it’s best to be prepared beforehand to minimize the losses. These job accidents can lead to damage to property, injuries to workers, and potential lawsuits. According to Gitnux, around 50 roofers die yearly due to work-related injuries. So, to ensure your workers stay safe from incidents and to control your losses, you must follow a few tips. Don’t know what these are? We got you covered. This article will outline a few ways roofing contractors can control losses in an accident.
Tips to Control Losses in the Case of Accident
Arizona is in the southwestern region of the United States. This state is known for many things, such as the Sonoran Desert, mountains, canyons, and its growing construction industry. So, if you are a roofing company operating in Arizona, you must have Arizona roofers insurance to control losses in an accident. Here are the other things that you must follow to mitigate the losses:
- Get Medical Attention
As a roofer, it is your responsibility to ensure the safety of everyone involved in the accident. This includes stopping side construction work and requesting medical attention for injured workers. Also, you should document all the injuries sustained and seek medical attention promptly to control the incident’s severity and protect the workers’ well-being.
- Assess the Total Damage
Once you’ve provided medical attention to the injured workers or got it yourself, you should assess the total damage caused by the accident. There may be damage to properties, equipment, and personal injuries. You should document everything and then reach out to your insurance company.
- Reach Out to the Insurance Company
Once the damage has been assessed, you should reach out to your insurance company to report the accident. The insurance company then assigns an adjuster to the claim, who will investigate the accident and determine the extent of the damage.
You must also provide the adjuster with all the necessary information, including pictures and damage documentation. Once the adjuster has gotten an idea about your damage, they will cover your property/equipment loss and medical expenses, depending on your insurance type and coverage.
- Communicate Everything with the Client
If the accident also damaged the client’s property, you should contact them as quickly as possible to ensure they don’t file a lawsuit against you. You can tell them how you are going to pay for their loss and whether or not the project is delayed. This gives the client a sense of security and reduces your chances of getting into an unexpected legal situation.
- Document Everything
As a roofing contractor, you should never forget to document everything that happened at the accident site. This includes pictures of the damage, repair estimates, and any injuries sustained, along with their medical bills. Keep all this data organized and make it accessible in case of an investigation or lawsuit.
Although accidents can happen in any job, roofers are more exposed to them due to the nature of their job. So, when an accident happens, you should take immediate steps to control your losses. These may include contacting the insurance company, communicating with clients, documenting everything, etc.