Roofing losses cluster, and the calendar decides when
Roofing is one of the highest severity trades. A storm hits, calls flood in, crews move fast, and small mistakes become expensive problems. Then moisture shows up later, and the claim gets bigger.
In Ontario and across Canada, weather volatility increases the pressure on exterior trades. Underwriters care about documentation, controls, and how you manage peak demand.
Where large roofing companies get burned
• Completed operations limits that do not reflect downstream exposure
• Exclusions and restrictive wording that quietly remove coverage for key operations
• Hot work controls that are not aligned with policy conditions
• Weak documentation that hurts claim defence and increases severity
• Fleet, trailer, and materials exposure that is not properly scheduled
What a resilient roofing program looks like
• Liability limits aligned to your largest projects and building classes
• Completed operations protection sized to the real tail risk
• Tools, equipment, and materials coverage across yards and job sites
• Builder risk coordination when you take on project responsibilities
• Fleet coverage aligned to how your crews actually operate
• Clear loss control program that carriers can verify
Practical underwriting signals that improve stability
• Written hot work procedures and training records
• Moisture control documentation and photo logs
• Consistent subcontractor compliance and certificate validation
• Claims reporting discipline that focuses on fast containment
FAQ
**Why do water related roofing claims get expensive so fast?** Because the damage can expand beyond the roof into interiors, tenants, and business interruption for building owners.
**What is the fastest way to reduce premium volatility?** A structured program, strong documentation, and controls that match policy conditions.
**Does working across Canada change the insurance approach?** Yes. Travel, subcontractor use, and contract requirements increase complexity. Consistency becomes essential.
Talk to Boardwalk
If your premiums are jumping, the answer is rarely only shopping harder. Boardwalk helps large Ontario roofing companies structure the program properly, tighten controls, and present your operation in a way underwriters trust.