---
title: "7 Questions to Ask a Roofer \u2013 Question #7"
url: https://hsrc.techbeeps.com/7-questions-to-ask-a-roofer-question-7/
author: "Tracy Bookman"
published_date: 2019-11-07
modified_date: 2026-04-16
generator: MUQ SEO Site Checker (GEO Engine)
---

# 7 Questions to Ask a Roofer – Question #7

## **Question #7: Are You A Sub-contractor Or An Employee Of The Roofing Company You Work For?**

First, here’s why this question is important.

Companies that don’t have any employees are not currently required by Pikes Peak Regional Building Department to have Workmen’s Comp insurance. As we discussed in a previous article, hiring contractors who aren’t covered by Workmen’s Comp insurance could have devastating consequences for you as a homeowner.

If the contractor doesn’t have workmen’s comp insurance and someone on the crew gets injured, you, as the homeowner, may be liable for any medical costs incurred, especially if a personal injury lawyer gets involved.

So if the salesman, inspector, or project manager of the roofing company is not an employee, he may be hired as a “subcontractor” in order for the roofing company to avoid having to pay for Workmen’s Comp insurance for him. It’s a loop-hole that many roofers use to save themselves this cost.

Secondly, there are many regulations which dictate and define who is a subcontractor and who is an employee. Most roofing salesmen/inspectors/project managers do not, qualify as sub-contractors, which means that the roofing company is skirting around state and federal laws. Do you want to hire a roofing contractor who is putting you at risk and engaging in illegal activity in order to earn your business?