INSTALLER RESOURCES
Roofing Insurance Backed Guarantee Guides
For roofers who want to know how an Insurance Backed Guarantee can help their business. What an Insurance Backed Guarantee is, when the NFRC scheme requires one, and how a 10-year insurance backed guarantee can work for you.
Most roofing work carries no legal requirement for an Insurance Backed Guarantee (IBG). But NFRC guidance says any job affecting more than 25% of a domestic roof should carry one, roofers registered with the NFRC’s Competent Person Scheme must issue a 10-year Insurance Backed Guarantee on notified roof refurbishment up to £50,000 in contract value, and councils and housing associations increasingly ask for one at tender. HomePro has issued over 1.78 million Insurance Backed Guarantees since 1999, covering more than £6.7 billion of home improvements.
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Most Popular Guides
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ROOFING
All Roofing Guides
Guides for roofing contractors — the CompetentRoofer scheme, 10-year guarantees on re-roofs, and using an Insurance Backed Guarantee to win council and social-housing work. New guides added regularly.
ROOFING
Quick answers for installers
The questions our team gets asked most often — answered clearly, without jargon. Last updated July 2026.
Do roofers need an Insurance Backed Guarantee in the UK?
Not usually by law. Roofers registered with the NFRC’s Competent Person Scheme must issue a 10-year Insurance Backed Guarantee on notified roof refurbishment work up to £50,000 in contract value, and NFRC guidance says any job affecting more than 25% of a domestic roof should carry one. Outside the scheme it is optional — which is exactly why offering one makes you stand out.
Why offer an Insurance Backed Guarantee if it isn’t compulsory?
Because it helps you win work. A 10-year guarantee backed by an insurance backed guarantee answers one of the homeowner’s biggest worries: what happens if the roofer ceases to trade? Councils and housing associations increasingly ask for one at tender, and in HomePro’s research, around six in ten homeowners who knew about the cover said it influenced who they hired.
What does a roofing Insurance Backed Guarantee cover?
It underwrites your own written guarantee. If your company ceases trading before that guarantee expires, as per the policy wordings, the insurance backed guarantee comes into effect and honours valid claims the company would otherwise have met — repair-led, up to the original installation value, subject to the terms and conditions of the policy.
Does an Insurance Backed Guarantee cover roof repairs or only full re-roofs?
It follows your written guarantee. Give a written guarantee on a repair, and it can be backed the same way as a full re-roof, subject to the terms and conditions of the policy. Under the NFRC scheme, the 10-year requirement applies to notified roof refurbishment work.
How long should a roofing Insurance Backed Guarantee last?
It mirrors your own guarantee. Most roofers issue 10-year company written guarantees on re-roofs, so 10-year Insurance Backed Guarantees are the norm in roofing. However, if your guarantee is for eight years, the insurance backed guarantee will also cover up to eight years; if yours is 12 years, and the insurance backed guarantee is up to 10 years, then your company guarantee will be in place for 12 years, and the insurance backed guarantee will underwrite it for the first 10 years.
I fit solar panels too — do I need separate cover?
Solar is a separate trade for guarantee purposes. Domestic solar work by MCS-certified installers needs an approved Insurance Backed Guarantee under MCS rules. HomePro covers roofing and renewables under one membership, so you don’t need a second provider to add solar to your business, but you will need to let your Account Manager know so they can look into adding the additional trade for you.
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