FHB Insurance has been discussing the Governor’s recent Emergency Order regarding roofing permits and work. All of its companies that write roofing and general contractors have responded. The stance of the companies is that roofing would NOT be covered IF there is an exclusion for roofing on the existing policy. If you’re not sure how your current policy addresses roofing, FHBI highly recommends that you contact your agent to find out. NOTE: Roofing exclusions apply ONLY IF the GC is doing the roofing themselves, not if the roofing is subcontracted out to a licensed roofing contractor.