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Prepare a summary

Educational resources, not insurance or legal advice.

Exterior & Specialized Services · Ontario

Roofing — Cold Applied & Shingle Only (No Hot Work): prepare for your insurance review.

Disclose any hot work even if occasional. Your broker must check how the actual policy treats those operations; a trade label does not determine coverage.

Prepare a business summary →

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Questions worth resolving early

Describe the activities you undertake, even when they are occasional or subcontracted. An unanswered question is not the same as a confirmed absence of risk.

  • Any torch, kettle or other hot work
  • Work height and occupied buildings
  • Exposed-roof weather protection

What to prepare

These are preparation topics, not a list of mandatory carrier forms.

Roofing methods and weather protection

Materials, installation methods, height, any hot work and exposed-roof protection.

Why discuss it: Helps identify a mismatch between a cold-work description and actual operations.

Useful documents to gather

  • Training and fall-protection records
  • Installation and weather-protection procedures
  • Equipment schedule

Your broker or insurer may ask for different or additional information. Do not treat a document title here as confirmation that a particular form or coverage applies.

Bring facts—not assumptions—to your broker.

Organize your operations and unresolved questions. The summary does not quote a premium, recommend a limit, or determine market acceptance.