Most of these "Contractors" who claim they are insured are way under and or improperly insured. Once the Contractor hires a sub, the sub has to be insured because the prime contractor's underwriter does not insure other contractor's GL or WC. What does that mean? It means if the sub screws up the underlayment on your house and it ruins the interior during a downpour, you are not insured. It means if the 20 year old, pill head that is nailing down the shingles by the square( not by the hour) falls off the roof and breaks his neck, you are not insured against that loss if and when he sues you. If you hire a roofer, get the certificate of insurance and call the agent or underwriter to make sure it is in effect hand has not been cancelled. If the contractor uses subs, make sure you get a cert of ins on them as well and make sure on the GL certs that your property is listed as "additional insured.". If you don't do that, you are risking everything you own because your insurance carrier does not have to insure the loss caused by others. Pay more to hire a legit contractor. Find one that has a place of business, a land line phone and has the proper insurance. Or don't complain about having to pay tens of thousands of dollars to rrepair damage the "contractors" have caused.