Workers’ Compensation for Roofer

HOFFMAN LAW FIRM

Getting hurt on the job as a roofer can disrupt your whole life. You face not only the pain but also the stress of how to pay bills and support your family if you can’t work.

In South Carolina, workers’ compensation helps roofers and roofing contractors get financial support after an injury. If you’ve been hurt while roofing in Charleston, Georgetown, or anywhere in the Lowcountry, Hoffman Law Firm’s skilled team is ready to fight for the benefits you deserve.

Workers’ comp rules can be tricky, especially with roofing injuries. Trying to handle it alone can cause frustration and costly mistakes. That’s why we’re here. Hoffman Law Firm guides injured roofers through their rights and helps secure the help they need to recover and move on.

Our lawyers work hard to protect your health and your paycheck after a roofing accident. As a lifelong Lowcountry local, Attorney David Hoffman knows the community well. When you need medical care, we connect you with trusted doctors recommended by family and friends.

We understand South Carolina’s workers’ compensation system inside and out. We handle all talks with your employer and their insurance company, so you don’t have to. You can trust us to support you every step of the way.

Getting hurt on the job as a roofer can turn your life upside down. You’re not just dealing with physical pain. You’re also stuck worrying about how to pay the bills or support your family if you can’t go back to work.

Case Results

$1,500,000

RECOVERED IN WORKERS’ COMPENSATION CASE

This was a denied case against an employer who was uninsured. After fighting every step of the way, Hoffman Law Firm made a full recovery on behalf of our client.

$1,200,000

RECOVERED IN WORKERS’ COMPENSATION CASE

A client suffered a brain injury at work. Case was originally denied; however, Hoffman Law Firm managed the case and got the accident victim compensated.

$800,000

RECOVERED IN WORKERS’ COMPENSATION CASE

Recovered for a law enforcement officer shot in the line of work.

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Why Choose Hoffman Law Firm to Manage Your Workers’ Compensation Claim?

YEARS OF EXPERIENCE IN PERSONAL INJURY LAW

At Hoffman Law Firm, we’ve dedicated ourselves to defending injured individuals throughout the Lowcountry. We possess extensive expertise in personal injury and workers’ compensation laws, preparing us to handle even the most challenging claims. Our legal team is available around the clock to help you grasp your entitlements and secure the compensation you deserve.

WE MAKE SURE YOU GET ALL THE BENEFITS YOU’RE ENTITLED TO

If you’re a roofer injured on the job, your employer is legally obligated to provide workers’ compensation. There’s no debating this. However, without a skilled attorney, your employer or their insurance provider might try to pressure you. We’ve consistently prevented this for our clients, and we’ll do the same for you. We’ll ensure they cover all their legal responsibilities, from lost wages to medical expenses.

WE HANDLE EVERYTHING SO YOU CAN FOCUS ON RECOVERY

Dealing with a claim while recovering from pain is daunting. That’s why we handle every detail, from submitting paperwork to communicating with your employer, so you can concentrate on getting better. Our roofing contractor injury lawyers have years of practical experience, knowing precisely how to achieve favorable outcomes and ensure you avoid out-of-pocket costs following a workplace accident.

YOU ONLY PAY US IF WE WIN YOUR CASE

At Hoffman Law Firm, our team of experienced Lowcountry workers’ compensation lawyers works on a contingency fee basis, meaning that you only have to pay us if we win your case – no obligation, no hassle!

SOUTH CAROLINA WORKERS’ COMPENSATION LAWYER NEAR ME

Our South Carolina personal injury law firm of skilled Lowcountry workers’ compensation attorneys is ready with trusted legal advice, so schedule your appointment now!

Common Reasons Roofers Get Injured

Roofers face many risks every day at work. Here are some of the most common ways they get hurt:

Falls from Heights

Roofers spend most of their time working high up on roofs, ladders, and scaffolds. A small slip, faulty equipment, or wet surfaces can cause a dangerous fall. These accidents often lead to serious injuries like broken bones, concussions, or spinal damage.

Slips, Trips, and Falls on Flat Surfaces

Even on flat roofs or work areas, roofers face hazards. Loose debris, uneven ground, or tools left in walkways can cause someone to slip or trip, resulting in sprains, fractures, or other injuries.

Muscle Strains and Sprains

Roofing is physically demanding, requiring heavy lifting, awkward bending, and repetitive movements. Over time, this can lead to strained muscles, torn ligaments, and ongoing pain, especially in the back, shoulders, and knees.

Cuts and Puncture Wounds

Sharp tools like utility knives, saws, and nail guns are part of every roofer’s toolkit. Accidental slips with these tools, sharp edges on materials, or stepping on nails and scrap can cause cuts, punctures, or scrapes.

Heat-Related Illnesses

Working under the hot Lowcountry sun puts roofers at risk for heat exhaustion, heatstroke, and dehydration. Without enough water and rest breaks, these conditions can quickly become severe or even life-threatening.

Independent Contractor vs Employee: What Workers’ Comp Benefits are Roofing Contractors Eligible For?

Benefits available in South Carolina workers comp claim include:

Immediate medical costs, such as an ambulance ride: Paying for medical care right away.
Ongoing medical costs, such as medication: Paying for ongoing medical treatment.
Partial lost wages while the employee is recovering: Paying for part of the employee’s wages while they are unable to work due to injury.
Disability benefits for lasting injuries: Providing financial assistance for long-term injury or disability.

Independent Contractors vs. Employees:

Classification is Key: Workers classified as independent contractors are generally not eligible for workers’ compensation benefits from the hiring company. However, misclassification is a significant concern, and simply labeling someone as an independent contractor does not make it so under the law.
“Right to Control” Test: South Carolina courts use a “right to control” test to determine if a worker is an employee or an independent contractor. Factors considered include:
- The right or exercise of control over work duties (e.g., how, when, and where the work is performed).
- The furnishing of equipment (e.g., tools, materials).
- The method of payment (e.g., regular wage vs. per project/invoice).
- The right to hire and fire or exert other disciplinary actions.
If a worker is misclassified as an independent contractor but is truly an employee based on these factors, they may still be able to claim workers’ compensation benefits.

In essence, a roofing contractor in South Carolina is legally required to carry workers’ compensation insurance if they employ four or more individuals. While project budget and size aren’t direct determinants, they can influence the need for more employees or lead to contractual requirements from general contractors that mandate coverage.

What is Workers’ Compensation?

Workers’ compensation is insurance that helps employees who get hurt or sick because of their job. You don’t have to prove anyone was at fault, as long as your injury or illness is work-related, you have the right to receive benefits.

If your claim is denied, you may need to take the next step by contacting the South Carolina Workers’ Compensation Board or working with an attorney to appeal the decision and protect your rights.

Who Pays for Workers’ Compensation?

Employers are required to carry workers’ compensation insurance to cover the cost of any injuries or illnesses their employees suffer on the job. Most of the time, this coverage is handled through an insurance policy that the employer pays for, not the employee.

SOUTH CAROLINA WORKERS' COMP LAWYER NEAR ME

Our Charleston law firm of skilled workers’ comp lawyers are ready with trusted legal advice, so schedule your appointment now!

Does South Carolina Require Employers to Have Workers’ Compensation Insurance for Their Roofers?

Yes, in South Carolina, most roofing businesses must provide workers’ compensation insurance.

If a roofing contractor regularly employs four or more workers, including part-time staff or unpaid family members, they are legally mandated to carry this coverage. This requirement also extends to nonprofit roofing companies if they meet the employee threshold.

What About Roofing Subcontractors?

Roofers working as subcontractors typically need coverage under the general contractor’s workers’ compensation policy, unless they maintain their own. Many general contractors, in fact, insist that roofing subcontractors carry their own workers’ comp insurance, even if they have fewer than four workers and wouldn’t otherwise be legally required to. This protects the general contractor from legal and financial liability should a roofer suffer an injury on the job.

Roofer: Employee or Independent Contractor?

A roofer receiving a 1099 tax form isn’t automatically an independent contractor under South Carolina law. If the roofing business dictates how the work is performed, furnishes tools, or pays the roofer a fixed rate, that individual might legally be considered an employee and should be covered. Misclassifying workers can result in significant penalties.

For all roofers and roofing contractors, strict adherence to workers’ compensation laws is crucial. Compliance safeguards both your roofing business and your crew in the event of a workplace injury.

If you need strong legal advice, Hoffman Law Firm is here with a free case review to help! So, reach us 24/7 for solid legal counsel.

Workers’ Compensation Requirements in South Carolina:

Four or More Employees: According to the South Carolina Workers’ Compensation Commission, most businesses must carry workers’ comp insurance if they regularly employ four or more people—this includes full-time, part-time, and even unpaid family members classified as employees.
Exceptions: While some businesses are exempt—such as those with under $3,000 in annual payroll, casual labor, or certain agricultural jobs—these exceptions usually do not apply to roofing companies that have employees.
General Contractor Liability: If you’re a general contractor and hire subcontractors without workers’ comp insurance, you could be held responsible if one of their workers gets injured. That’s why many general contractors require subcontractors to show proof of coverage, even if they have fewer than four employees.

No need to sort this out yourself. When you hire a skilled workers’ comp attorney, they will handle it all for you. If you need legal advice, simply reach out to Hoffman Law Firm for a free case review. We are available 24/7 for solid legal counsel.

Who is NOT Covered for South Carolina Workers’ Compensation?

While most employees are covered by workers’ comp in South Carolina, there are a few exceptions. Some types of workers and business owners like sole proprietors, partners, independent contractors, and members of a limited liability company (LLC) in South Carolina are not legally required to have workers’ compensation coverage.

Sole Proprietors

A sole proprietor is someone who owns and runs their own business alone.
They are personally responsible for the business’s profits, debts, and any legal obligations.
Because they are self-employed, they are not automatically covered by workers’ compensation.
These types of businesses are easy to start but come with personal financial risk if injuries occur on the job.

Independent Contractors

Independent contractors are self-employed individuals who work on a contract basis.
They control how, when, and where they work and set their own rates.
Since they are not traditional employees, they are not covered by an employer’s workers’ comp policy.

Members of a Limited Liability Company (LLC)

Members are owners of the LLC, which can be individuals, corporations, or other entities.
They may take an active or passive role in the business.
- Active members help manage operations.
- Passive members simply invest but don’t participate in daily activities.
Like sole proprietors and independent contractors, LLC members are not automatically covered unless they specifically choose to include themselves in the policy.

Not sure if you’re covered? We can help. If you’re injured on the job and unsure about your workers’ comp rights, Hoffman Law Firm is here to help. We’ll review your situation and explain your legal options clearly, whether you’re a contractor, business owner, or worker in a gray area.

SOUTH CAROLINA WORKERS’ COMPENSATION LAWYER NEAR ME

Our Charleston law firm of skilled workers’ comp lawyers are ready with trusted legal advice, so schedule your appointment now!

How Does Workers' Compensation Work in South Carolina?

In South Carolina, the Workers’ Compensation Commission (WCC) manages the rules that protect employees who get hurt or sick on the job. If your injury or illness is work-related, workers’ compensation helps cover your medical bills and replaces a portion of your lost wages if you can’t work. Most injured employees receive two-thirds of their average weekly pay during recovery.

What’s Covered Under Workers’ Comp?

Most workers’ compensation policies include employer’s liability insurance, which helps pay legal fees if an employee blames their boss for the injury. That said, South Carolina law generally follows an exclusive remedy rule, meaning once you accept workers’ comp benefits, you usually can’t sue your employer for the same injury.

Here’s what injured workers may qualify for in South Carolina:

Medical Treatment Coverage: Pays for doctor visits, medications, surgeries, and other treatments related to your workplace injury.
Temporary or Permanent Disability Payments: If you’re unable to work while you recover, or you’re permanently injured, you may receive wage replacement or other financial help.
Partial or Total Disability Benefits: Whether your injury limits your ability to work part-time or leaves you unable to work at all, you can get support to cover medical costs and basic expenses.
Compensation for Disfigurement: If your injury causes permanent scarring or disfigurement, you may qualify for additional compensation.
Travel Reimbursement: If you have to travel for treatment, you can be reimbursed for mileage and other related travel expenses.
Death Benefits: If a worker passes away due to a job-related accident, their family may receive benefits to help cover living expenses and funeral costs.

To ensure your medical treatment during a workers’ comp claim is paid for, you must visit a doctor approved by your employer or their insurance company. Seeing a doctor without their approval could mean you end up with unpaid medical bills.

At Hoffman Law Firm, we stand up for injured workers to secure the full benefits and compensation they deserve. We handle complicated workers’ comp cases and fight back when employers or insurers try to deny your claim.

If you’ve been hurt on the job, don’t delay. Reach out to Hoffman Law Firm for a free consultation. We’re ready to help you get the care and support the law guarantees.

South Carolina Workers’ Comp Death Benefits: Wrongful Death of Roofing Contractor

Losing a loved one to a workplace accident is heartbreaking. If a roofer or roofing contractor passes away due to a job-related injury or illness, South Carolina law provides financial support for the surviving family through workers’ compensation death benefits.

Here’s what families may be entitled to:

Weekly Payments to Dependents: Eligible dependents such as a spouse or children, can receive weekly payments equal to two-thirds of the roofer’s average weekly pay. These payments can last up to 500 weeks from the date of the injury.
Funeral and Burial Costs: Workers’ comp can help cover funeral and burial expenses, up to $12,000.
Medical Bills: Any medical care the roofer received for their injury or illness before passing away is also covered.

If the roofer was already receiving disability payments before their death, that may impact the total benefits their family receives.

Navigating these situations can be overwhelming, especially during a time of grief. That’s why it’s crucial to speak with an experienced workers’ comp attorney to ensure your family receives every benefit available under the law.

The surviving dependents could include:

A spouse.
A minor child.
An adult child who is mentally or physically incapable of being self-supporting (ex. an adult child who is unable to work and provide support for themselves due to mental or physical disabilities).
An adult child who is a full-time student less than 23 years old.

If the person has another type of relationship to the deceased worker, like stepchildren, illegitimate children, and others, they may also be eligible to receive benefits if they were dependent upon the deceased.

How Do Workers’ Comp Settlements Work for Roofing Professionals?

In South Carolina, there are two types of workers’ compensation settlements available for accident injury victims:

If you’ve been injured on the job as a roofer in South Carolina, there are two main types of workers’ compensation settlements you should know about:

Clincher Agreement

This is a final settlement that closes your case completely.
You’ll usually receive a one-time lump sum payment (or in some cases, scheduled monthly payments).
Once this agreement is signed and approved by the commissioner, you can’t go back and ask for more money, even if your condition gets worse or you need more treatment later.
It’s a full and final release of all future claims related to your injury.

Form 16A Settlement

This type of settlement is for workers who are permanently disabled because of their injury.
It provides weekly payments based on the wages you earned before the injury.
Unlike a clincher agreement, a Form 16A lets you:
- Ask for additional compensation later if your condition worsens
- Get coverage for ongoing medical expenses related to your injury

If you need more information about what this could mean for you, please speak with an attorney.

At Hoffman Law Firm, we have served the people of the Palmetto State for many years. We care deeply for our clients and their well-being, and we will handle your case from start to finish. We have even won multi-million dollar settlement verdicts to make sure people are properly compensated for their injuries.

After your workplace accident, schedule a free consultation with Hoffman Law Firm!

SOUTH CAROLINA WORKERS’ COMPENSATION LAWYER NEAR ME

Our Charleston law firm of skilled workers’ comp lawyers are ready with trusted legal advice, so schedule your appointment now!

What Should My Employer Be Doing After a Workplace Accident?

Make Sure the Injury Is Taken Care Of Immediately

First, the employer should make sure the injured worker gets the right medical attention.
If it’s an emergency, 911 should be called right away.
If it’s not life-threatening, the injured person may be able to speak with a medical hotline provided through the workers’ compensation insurance to decide whether to go to urgent care or the emergency room.

Report the Injury to Workers’ Compensation Insurance

Your employer must report the injury to their workers’ compensation insurance carrier as soon as possible.
This helps get your claim moving and ensures proper documentation is in place.
The report should include:
- Date, time, and location of the accident
- What happened and what injuries were sustained
- When the employer first found out about the injury

Be Responsive to Follow-Up Requests

After a claim is filed, the insurance company, medical professionals, and you may have more questions.
Your employer should respond promptly and cooperate throughout the claims process to avoid unnecessary delays.

Investigate the Cause and Improve Workplace Safety

Employers should take a close look at what caused the accident and fix any issues to prevent future injuries.
This could involve:
- Conducting a safety audit
- Reviewing training procedures
- Making sure all employees understand and follow safety protocols
A safe workplace shows employees they’re valued and protected.

If Your Employer Isn’t Doing the Right Thing, Talk to a Lawyer

Sadly, some employers may try to avoid responsibility or cut corners when dealing with workers’ comp claims.
If your employer isn’t handling things properly or if something doesn’t feel right, it’s time to protect yourself.

Hoffman Law Firm is here to help. We will:

- Deal directly with your employer and their insurance provider
- Make sure you get the benefits and compensation you’re legally owed
- Free consultations are available, so reach out today. We’re ready to stand up for you.

Risk Management for Roofing Contractors: Safety Tips

Accidents can occur in any profession, but in the roofing industry, the dangers are particularly significant. Therefore, safety should always be a top priority. For roofing contractors and their teams, cultivating a robust safety culture is one of the most effective strategies to prevent injuries before they happen.

According to Occupational Safety and Health Administration (OSHA), here are vital safety practices every roofer and roofing company should adhere to:

Always Use Appropriate Safety Equipment (PPE)

Whenever on the job, always utilize the correct protective gear. This includes hard hats, safety glasses, steel-toe boots, and gloves. Inspect your equipment before each use to ensure it’s clean, undamaged, and safe. Ensure your gear is suitable for the specific roofing task.

Inspect and Secure Work Areas: Never Skip This Step

Before commencing any roofing work, thoroughly inspect the roof surface for unstable sections, loose debris, or potential slip hazards. Secure all ladders and scaffolding properly, ensuring they are stable and on level ground. Always establish a clear and safe working zone.

Maintain Tools in Excellent Condition

Prior to each use, examine all tools. Look for worn parts, damaged handles, or any defects. Use tools specifically designed for roofing work. Store your equipment correctly to maintain its good condition and ensure easy access.

Practice Safe Work Routines

Always follow OSHA guidelines and your company’s safety protocols. Stay vigilant and be aware of your surroundings, colleagues, and nearby hazards. Never work alone on a roof; always have another qualified person nearby. Use ladders correctly, ensuring they are stable and never climbing on the top rung. Identify and avoid potential fall hazards.

Regular Training and Open Communication

Conduct consistent safety meetings and training sessions. Keep your roofing team informed about safe practices and industry updates. Promote open communication, fostering a work environment where team members feel comfortable reporting risks, errors, or near misses. Stay current with safety standards and revise policies as necessary.

Preventing accidents takes more than luck. It takes preparation, awareness, and a commitment to safety every single day. By making these safety steps part of your daily routine, you can protect your team and create a safer job site for everyone.

In case of an injury, reach out to a skilled injury team like Hoffman Law Firm to manage your case from start to finish.

What People Are Saying About Us

I loved working with the staff at Hoffman Law Firm, and I loved that they were willing to take on our case even though it was a small claims case and still provided us with respectful and professional services. They really guide you through every step of the process and make sure you understand what your options are in order to get the best results.

-Teresa

Very thorough with the case and responsive within having to switch paralegals. Want to thank y’all again for all your help and wish y’all the best of luck in the future with your personal lives and the clients as well.

-Brandon

I absolutely love the Hoffman Law Firm. I always was able to reach them when I needed them, and they always returned my calls and emails quickly. Definitely will send everyone to them.

-Rusty

Meet Your Attorneys

Our experienced personal injury team is proud to serve the Lowcountry, offering trusted legal representation right here at home. Committed to securing the compensation our friends and neighbors deserve, our personal injury attorneys will walk beside you each step of the way.

From filing your claim to communicating with the insurance company, we handle your entire claim for you. Get in touch for trusted legal advice and schedule your free consultation today!

Attorney David Hoffman built Hoffman Law Firm from the ground up, relying solely on his own legal skills, tireless work ethic and natural people skills to gain clients' trust and establish a track record of success. After graduating from The Citadel in 1991, David received his law degree from the University of Florida at Gainesville in 1997.

Attorney
David L.
Hoffman

Attorney Matt Cook became part of the Hoffman Law team after practicing law in the Midlands for more than a decade. He graduated from the University of South Carolina and always knew he eventually wanted to return to the Lowcountry, where he was raised. Matt appreciates the Hoffman Law philosophy because the attorneys share his values including communication, respect, compassion, and availability to clients.

Attorney
Matthew R.
Cook

From her earliest days in law school, Attorney Amanda Stearns knew she wanted to be a trial lawyer. Determined to finish law school quickly so that she could pursue her dream of fighting for justice, Amanda graduated a semester early from the University of South Carolina School of Law.

Attorney
Amanda R.
Stearns

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Our personal injury law firm welcomes referrals for cases that arise anywhere in the state of South Carolina. We are always proud to assist deserving clients offered by a fellow attorney, so contact us today!