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The Storm Restoration Insurance Blog

Straight-talk guides on coverage, classification, and compliance for contractors who chase the storm.

2026-06-107 min read

What Is NCCI Class Code 5551? A Roofing Contractor's Guide to Workers' Comp

NCCI Class 5551 is the roofing classification that drives your workers' comp premium. Here's what it means, why it's expensive, and how to avoid overpaying or failing an audit.

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2026-06-107 min read

Surety Bonds for Storm Restoration Contractors: License Bonds and Performance Bonds Explained

Storm restoration contractors need surety bonds to operate legally and win commercial contracts. Here's the complete guide to license bonds, performance bonds, and payment bonds.

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2026-06-058 min read

Multi-State Storm Chaser Insurance: How to Insure a Company Working in 5+ States

Storm restoration crews follow hail across state lines all season. Here's how to structure GL, workers' comp, and commercial auto so you stay covered and compliant in every state.

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2026-05-287 min read

Hail Damage Roofing Insurance Requirements: A State-by-State Reality Check

After a major hail event, demand explodes and so do insurance requirements. Here's what roofing contractors need to be ready before the storms hit — and why requirements vary by state.

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2026-05-206 min read

General Liability vs. Builders Risk: Which Coverage Does Your Storm Restoration Job Need?

GL and builders risk sound similar but cover completely different things. Here's how to tell them apart — and why storm restoration contractors often need both.

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