Review falls and material handling for employees, dropped-object damage to others, and later water-damage allegations. Separate employee benefits from third-party liability. Working heights, access methods, and actual services matter more than the trade name on the application.

General liability may address covered property damage, but damage to the fascia or roof section being worked on can be excluded. Describe exactly what was damaged and what the crew was doing. A customer invoice alone does not establish a covered claim.

Equipment coverage may address covered theft or damage away from the shop. Include ladders, brakes, tools, and any seamless machine at appropriate values. Check transit, job-site storage, and overnight vehicle terms.

Separate the cost of repitching or replacing your gutters from resulting damage to other property. Completed-operations coverage may address a covered resulting-damage claim, but exclusions, policy wording, and state law control. A warranty to fix the installation is not proof of insurance.

Ask whether the insurer accepts your services, heights, and job mix. An eligible BOP may combine liability and shop property, but confirm off-site tools and materials, vehicles, and employee injury coverage separately.

Provide consistent revenue, payroll, crew count, subcontractor costs, building heights, vehicle, and equipment values, and claims history. Check deductibles, covered services, and exclusions with each quote. No rate or acceptance can be established from those factors alone.