#PerfectRoof offers various types of guarantees to provide peace of mind for roofing projects. Guarantees may cover products/materials, workmanship/installation, and latent defects. Types of insurance include professional indemnity, public liability, product liability, and insolvency guarantees. Guarantees typically cover 10-20 years and consider the insurance company's rating, financial due diligence, insolvency protection for large manufacturers, whether the guarantee covers just products or consequential loss, and if the insurance company is FCA accredited. #PerfectRoof also provides its own guarantees that cross sections covering professional indemnity, design, materials, workmanship, and insolvency for subcontractors ranging from 10-

1. #PerfectRoof: Guarantees
Ross Finnie, Sales Director
#PerfectRoof

2. #PerfectRoof
What if there’s a problem with my roof?
Peace of mind
Minefield
Short comings

3. #PerfectRoof
What do you want cover for?
Product / materials
Workmanship / installation
Latent defects
Due diligence
What’s being covered?

4. #PerfectRoof
 Professional Indemnity Insurance: this is bought by designers/architects and covers their
legal defence costs and damages in the event of being sued by their clients for professional
errors
or omissions.
 Public Liability Insurance: covers the legal liability to third parties for bodily injury, damage
to property and direct con-sequential losses (excluding products).
 Product Liability Insurance: covers the legal liability to third parties, for bodily injury,
damage to property and direct con-sequential losses arising out of the products
sold/supplied/installed.
The replacement cost of the defective product it-self is excluded.
 Insolvency Guarantee: steps in to fulfil the written guarantee of the manufacturer/installer,
should it cease trading. Depending on the wording, it can cover defective, design workmanship
or materials.
 Latent Defects Insurance: protects against design workmanship or material defects after
completion causing damage to the building, and in most cases ensures the policy holder can
go straight to the insurer rather than to individual parties. Some may have an initial guarantee
period where the contractor is still responsible, during which insurers provide insolvency
cover only.
Insurance options

5.  Typical cover 10-20 years
 Rating of the insurance company
providing the cover
 Financial due diligence
 Insolvency for larger
manufacturers
 Product only guarantees
 Consequential loss
 FCA accredited
#PerfectRoof
Issues to be aware of

6. Guarantees
#PerfectRoof

7. Why we take the risk
If you specify our products, we
are rewarded through the supply
chain which is why we offer
technical advice, design support
and on-site support systems
completely free of charge to our
customers, including architects
and other specifiers.
#PerfectRoof

8. The SIG D&T guarantee
#PerfectRoof
 Cross section of guarantees available.
 Professional Indemnity
 Design – in-house design services
 Materials - various manufacturers
 Workmanship - DATAC scheme
 Insolvency for subcontractors
 10-35 years inclusive of above dependant of
client requirements
 Specialist cover if required via FCA
insurance broker.

9. #PerfectRoof
Thank you!

10. #PerfectRoof
Thank you!