HUB International

HUB Team Haugen + Pressure Point Roofing

Roofing carries some of the highest workforce risk in the country. We build the Workers' Compensation program a multi-state contractor actually needs, and we stand in your corner the day a claim comes in.

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The Fit

Why Team Haugen

You have spent more than 35 years building one of Southern Oregon's most trusted roofing operations, now running crews across three states. Here is why Team Haugen fits.

HUB Team Haugen principals

We know roofing contractors

The risk profile of a roofing contractor is not generic. Fall exposure, multi-state crews, fleet operations, subcontractor certificates, and seasonal hiring all behave their own way. We work with contractors across Oregon and the Pacific Northwest, and we bring that knowledge into the room from day one.

The mod is money

A high experience modifier costs real dollars at every renewal, and on every bid where a general contractor requires a sub-1.0 mod. Managing it down is measurable work, and it is the work we do.

Claims do not win themselves

When a serious injury happens on a roof, the claim gets complicated fast. Between the carrier's interest and yours, someone needs to be in your corner. That is our team, acting as your advocate, not just a policy administrator.

Roofing Risk, Read Correctly

We Understand Your Business

Roofing sits among the most hazardous industries in the country, with a fatal injury rate roughly ten times the all-industry average. For a multi-state operation running residential and commercial crews at height every day, Workers' Compensation is not just an insurance line. It is a financial and operational variable you manage all year. Here is what we see in your business.

Fall and Height Exposure

Your crews work at elevation every day

Residential pitches, commercial low-slope systems, ladders, and scaffolding. Falls are the leading cause of serious injury in roofing and the single biggest driver of Workers' Compensation frequency and severity. Fall protection is a standing priority, and your program should reflect it.

Multi-State Payroll

Three states, three rating systems

Licensed in Oregon, Washington, and California means three separate Workers' Compensation rating systems, class-code sets, and carrier requirements. Crews cross state lines, and accurate payroll allocation is what keeps audits clean. This is specialist work, not a commodity placement.

A Growing Workforce

New hires are your highest-risk workers

You are hiring across every level, which is the signal of a company on the way up. It also means newer, less experienced crew at the most exposed moment. Onboarding and training discipline show up directly in your claims and your mod.

Fleet and Equipment

Trucks, lifts, and the road

A dedicated fleet and specialized equipment move crews and materials across the region. Vehicle incidents during work travel and equipment events both generate serious Workers' Compensation claims, so the program has to account for the road as well as the roof.

Heat and Seasonal Strain

Sun-exposed surfaces, all summer

Southern Oregon summers are hot, and roofers spend them on radiant surfaces dealing with heat stress and repetitive physical strain. Heat illness and cumulative trauma are growing claim categories that smaller carriers often undermanage.

Subcontractor Certificates

An uninsured sub is your liability

On larger projects you supplement with subcontractors. Under Oregon law, an uninsured sub can become your responsibility, which makes certificate tracking a frontline risk control rather than paperwork. We keep that gap closed.

The Long Game

Built for where you are going

Pressure Point Roofing is a growing, acquisition-active contractor. You need a broker who can keep up as you add crews, enter new markets, and weigh deals. We are already embedded in the growth cycles of clients who expand the way you do.

When You Grow

Acquisition Diligence

Pressure Point Roofing is built to keep growing, through new service areas and, when the deal is right, acquisitions. The insurance side of a transaction gets complicated fast. We handle it, so growth never stalls on a coverage question. We work with growing contractors through this process all the time, which is exactly why we brought Don Watson onto our team.

Where It Gets Complicated

Diligence before the deal closes

We review a target's loss history and Workers' Compensation record before you sign, so you know what you are taking on, instead of finding out at the first renewal when the mod spikes.

Two companies. Two WC programs. One mod.

Every roofing company builds its own safety protocols, return-to-work processes, and claim-handling culture over time. When you acquire another crew, you are not just adding payroll. You are absorbing their WC history, their experience modifier, and their habits. Getting that integration right from day one protects your number.

Policy integration, planned

When to fold the acquired operation into your existing program. When to restructure. How to bind day-one coverage so crews are protected from the moment the deal closes. These are not rhetorical questions. They have real answers, and the wrong call costs money.

You should not need a lawyer to read your insurance

Policy language is written to protect carriers, not clients. When you are reviewing a target company's coverage obligations or evaluating what liabilities transfer with the deal, you need someone who can read it for what it actually says, not what the agent hopes it means.

We have done this before

We stay embedded in the growth cycles of contractors who expand the way you do. When the next opportunity comes, you have a team that already knows how to handle the insurance side, so you do not have to figure it out.

Don Watson

Don Watson

Client Services Advisor

Licensed Attorney and Diligence Specialist

Don brings a licensed attorney's perspective to commercial insurance, combining legal training with deep coverage knowledge to advocate through complex claims, coverage disputes, and insurance diligence. This is precisely why we hired him. For a growing contractor navigating an acquisition, that means legal-grade rigor on your side without law-firm rates, and someone who has already seen the insurance complications that come with combining two companies.

Key Capabilities

  • Claims advocacy and carrier negotiation
  • Policy and coverage-gap analysis
  • Legal guidance on insurance obligations
  • Acquisition diligence, WC and P&C
  • Merging WC programs post-acquisition
  • Litigation and dispute support
  • Risk-management consultation

Don was hired specifically for this.

Most insurance brokers hand you a policy and move on. We brought Don onto the team because the clients we work with, contractors who grow through acquisitions, need someone who can actually dig into the legal and insurance complexity of a transaction. He is not a generalist filling a support role. He is a specialist, and this is the work he does.

Workers' Compensation

Built around the risk you carry every day.

Workers' Compensation is the lead conversation for a roofing contractor, and it is the line where the right broker earns their keep. We design the program around your actual exposure, manage the experience modifier as a number you can move, and put a dedicated claims advocate in your corner when it matters.

HUB Team Haugen advisor on a client job site

Coverage designed for height work

We structure the program around the exposures that actually drive roofing claims, then place it with carriers who understand contractor risk and price it accordingly.

The experience mod, managed

A high mod follows you into every renewal and every bid. We work it proactively: identifying the claims driving the number, managing reserves, and protecting the future mod. This is return you can measure.

Multi-state, structured correctly

Oregon, Washington, and California each carry their own statutes, rating rules, and carrier appetite. We get the payroll allocation right and place coverage with carriers who understand multi-state roofing.

A claims advocate on your side

When a serious injury happens, our team manages the claim from first report to resolution, focused on return-to-work and cost outcomes that protect both your people and your mod.

The People Behind Your WC Program

Mike Godfrey

Mike Godfrey

Vice President, Workers' Compensation

Primary WC Agent and Client Liaison

Mike is your principal contact for Workers' Compensation. He partners closely with clients to assess exposure, design tailored coverage, and advocate hard through the claims process, grounded in deep industry knowledge and responsive communication.

Key Capabilities

  • Exposure assessment and coverage design
  • Carrier negotiation and placement
  • Claims advocacy and dispute support
  • Experience-mod strategy
  • Multi-state WC programs
Alexander Xander D'Arcy

Alexander "Xander" D'Arcy

Workers' Compensation Claims Analyst

Certified Claims Adjuster, 14+ years

Xander manages claims from first report through resolution, focused on cost mitigation, return-to-work programs, and protecting your experience modifier. He works as an employer advocate alongside carrier teams, with a background spanning construction and other field-heavy industries.

Key Capabilities

  • Claims management and education
  • Injury-trend identification
  • Return-to-work and transitional duty
  • Claims reserves analysis
  • Experience-mod education
  • Onsite claim reviews

Additional Coverages

The rest of the program, handled.

Workers' Compensation leads the conversation, but a multi-state roofing contractor carries a full set of exposures. We build the complete program around your operation.

  • General Liability

    Third-party bodily injury and property damage are constant exposures on residential and commercial job sites. Your GL program is built to respond to the realities of roofing work, not a generic contractor template.

  • Commercial Auto and Fleet

    Your dedicated fleet of trucks and lifts moves crews and materials across three states. We cover the vehicles, the drivers, and the equipment in transit, with the multi-state footprint accounted for.

  • Property and Equipment

    Tools, lifts, materials, and the yard represent real capital. Inland marine and property coverage protect the equipment your crews depend on, on site and in transit.

  • Umbrella and Excess

    Large commercial contracts often demand higher limits than primary policies carry. Umbrella and excess layers give you the capacity to win the work and absorb a serious loss.

  • Subcontractor and Certificate Management

    On larger projects, an uninsured subcontractor can become your liability. We track certificates of insurance so coverage gaps close before they turn into claims.

  • Builder's Risk and Installation

    Work in progress carries its own exposure. Builder's risk and installation coverage protect materials and labor on the project until the job is complete and handed over.

Your Team

Team Haugen

One team, built around your account. Three Haugen principals lead the relationship, backed by HUB's Workers' Compensation, claims, and risk-management specialists.

Logan Haugen

Logan Haugen

SVP, Commercial Lines / Team Haugen Lead

Spencer Haugen

Spencer Haugen

Associate Advisor, Commercial Lines

Hayden Haugen

Hayden Haugen

Associate Advisor, Commercial Lines

Supporting Team
Nancy Tribolet

Nancy Tribolet

Private Client Risk Advisor

Brandon Vogel

Brandon Vogel

Private Client Risk Advisor

Mike Godfrey

Mike Godfrey

Vice President, Workers' Compensation

Alexander D'Arcy

Alexander D'Arcy

Workers' Compensation Claims Analyst

Meredith Laing

Meredith Laing

Insurance Adjuster

Don Watson

Don Watson

Client Services Advisor

Linda Shaddon

Linda Shaddon

CL Sr. Account Manager

Sindee Johnson

Sindee Johnson

CL Account Manager II

Marcia Hawkins

Marcia Hawkins

CL Account Manager II

Dayna Oda-Kell

Dayna Oda-Kell

CL Account Manager II

Devin Sanders

Devin Sanders

Sr. Risk Management Consultant

MB

Marcy Baker

DB

Dana Brinkley

HUB International Pressure Point Roofing

Let's Talk

Let's have the conversation.

No quote forms and no pressure. We would like to walk you through what we found about your Workers' Compensation exposure, and show you what a program built for a multi-state roofing contractor looks like.

Let's have a conversation about your renewal, your experience modifier, and where Pressure Point Roofing is headed next.

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