Roofing--Commercial or Residential Over Three Stories

What Does GL Code 98677 Cover?

ISO GL class code 98677 covers commercial roofing contractors and residential roofing work on buildings exceeding three stories. This is one of the highest-rated GL class codes due to the significant property damage and bodily injury exposure from working at height and handling materials on occupied structures.

Who Uses This Class Code?

Commercial roofing contractors, flat roof specialists, metal roofing contractors, and any roofer working on buildings over three stories. Also includes contractors who install TPO, EPDM, modified bitumen, and built-up roofing systems.

Common GL Claims for This Class

Common GL claims for commercial roofers include water intrusion damage from improper installation, falling debris striking vehicles or pedestrians, and property damage from equipment or materials.

Coverage Tips for Code 98677

• Maintain a clean loss run history — most admitted carriers require 3 years of prior GL loss runs
• Avoid hot tar and open-flame torch applications; many FL carriers exclude these operations
• Ensure all subcontractors carry their own GL with limits matching yours and name you as additional insured
• Minimum payroll thresholds apply under the FWC admitted program ($100K minimum)