Insurance, insurance, insurance. If you are on the board of an HOA, you know the dangers of working with a contractor that does not have the proper insurance. Adco Roofing is pleased to provide you with a letter expressly stating that we do not have any HOA exclusions in our insurance policies. The combination of our proper and large insurance policies, flexible payment plans, and ability to work on occupied retrofits, has made us an HOA industry leader for decades.