The second engine
Fit
Check reads what the coverage is. Fit judges whether it holds for the actual work. Given the job and the stated requirement, the engine raises sourced flags; a reading upgrades each one to confirmed or cleared, and until then it stays a suspicion rather than a verdict. The decision stays with the reader, and every flag ends where it should: confirm with your broker.
The rule set is illustrative and awaits licensed review before any real use; each rule names its public sources. The readings offered below are fixtures. Wiring the real Check reading into this seam is the build’s next step, and this page will say so when it changes.
The job
A roofing subcontractor in Texas. The one input that decides the hero flag is how high the work goes.
The requirement
The reading
What the engine says
6 flags, 6 still open.
limitation · requirement-design · unconfirmed
Additional insured may be ongoing-ops only. A requirement that just says "additional insured" is usually satisfied by CG 20 10, which covers ongoing operations only. Damage that surfaces after the job (a roof that leaks in year two) is a completed-operations claim and needs CG 20 37. Confirm with your broker.
The requirement does not call for this. A vendor can comply and the gap remains.
Suspicion. No policy read has settled it.
Sources: IRMI, Billy.
review · requirement-design · unconfirmed
Completed-operations tail looks short. Latent construction defects often surface later; a 2 to 5 year completed-operations tail is the common range. A short tail can leave the gap years uncovered. Confirm with your broker.
The requirement does not call for this. A vendor can comply and the gap remains.
Suspicion. No policy read has settled it.
Sources: CFMA.
review · requirement-design · unconfirmed
Primary & non-contributory may be missing. Without a primary & non-contributory provision, the subcontractor's policy can argue your policy shares the loss instead of paying first. The certificate alone will not confirm it. Confirm with your broker.
The requirement does not call for this. A vendor can comply and the gap remains.
Suspicion. No policy read has settled it.
Sources: IRMI.
review · enforcement · unconfirmed
Confirm the aggregate for roofing. Commercial roofing commonly carries a $2M aggregate because a single fire or water loss can be severe and the aggregate is shared across every job in the period. Illustrative, not a recommendation. Confirm with your broker.
The requirement calls for this. The question is whether the policy delivers.
Suspicion. No policy read has settled it.
Sources: CFMA.
review · requirement-design · unconfirmed
Roofing-operation exclusions. Roofing GL frequently excludes specific operations: hot-work / torch-down, open roofs, or in the broadest filed forms all roofing operations including completed ops. The certificate will not show these. If the scope includes roofing work, confirm the policy does not carry one. Confirm with your broker.
The requirement does not call for this. A vendor can comply and the gap remains.
Suspicion. No policy read has settled it.
Sources: Carolina Risk Partners.
review · requirement-design · unconfirmed
Waiver of subrogation may be missing. Without a waiver of subrogation, the subcontractor's insurer can pay a claim and then recover from you, undoing the transfer. A routine endorsement worth requiring. Confirm with your broker.
The requirement does not call for this. A vendor can comply and the gap remains.
Suspicion. No policy read has settled it.
Sources: IRMI.
What was checked
Every rule the knowledge base holds for this job, with what happened to it. Anything not on this list was not assessed. Silence outside it is not an all clear.
- Additional insured may be ongoing-ops only. Flagged above.
- Completed-operations tail looks short. Flagged above.
- Pollution exposure likely excluded from CGL. Checked. The condition is not met for this job.
- Work above 3 stories may be excluded. Checked. The condition is not met for this job.
- Primary & non-contributory may be missing. Flagged above.
- Confirm the aggregate for roofing. Flagged above.
- Roofing-operation exclusions. Flagged above.
- Waiver of subrogation may be missing. Flagged above.
- Wrap-up in place: coverage is inverted. Checked. The condition is not met for this job.