Berkshire Hathaway Homestate Companies’ Construction Segment provides a competitive product for commercial or residential Roofing Contractors. We are not a market for roofers that have been or are currently involved in new condominium, town home or tract home subdivision projects. (This does not apply to re-roofs).

• Minimum of five years in business
• Payrolls less than $1,000,000
• Projects should be five stories or less
• Apartments with less than 30 units are acceptable
• Minimal Torchdown (minimal defined as less than 10% of gross receipts & Employee must have CERTA certification.)
• Use of hot tar must be less than 20% of work performed

Residential Roofers are not acceptable in the metro or suburban areas of Seattle, Portland, Denver, Kansas City, St. Louis, Memphis, Nashville or Atlanta. Colorado West slope resort towns such as Aspen, Vail and Breckenridge are also ineligible.

Residential Roofers in any other BHHC territory are acceptable subject to:

• Minimum of five years in business
• Payrolls less than $500,000
• No past or current “tract home” work, specifically we do not want more than fifteen new homes ever in any one subdivision.
• No past or current new condo or town home projects
• The percentage of subcontracted work must be less than 40%

• Companies with A.M. Best Ratings of A++
• Claims specialists that focus on construction business
• Fast, timely service and loss control to help minimize claims
• Several convenient Direct Bill payment plans available

• Our policy will include exclusions for hot tar kettles on roofs, Exterior Insulation and Finish System (EIFS), Injury or Damage in Progress where injury or damage began in a prior policy, and operations conducted in California, Nevada, Arizona, Illinois or Florida.
• BHHC does not double the products / completed operations aggregate limit
• No workers’ compensation coverage; No stand-alone hired or non-owned auto
• Minimum deductible of $1,000 per claim
• Residential Exclusion applies to new construction of condos, town homes, & tract homes. (This exclusion does not apply to apartments.)

• Completed and signed ACORD application
• Roofing questionnaire/job list completed and signed by Insured
• Financials – consisting of both balance sheet and income statement
• Five years of hard copy loss runs

Please see our Roofer Program Agent Locator for a list of appointed agencies in your area.