How to Choose a Roofing Contractor: 9 Checks Before You Sign
Roofing attracts more fly-by-night operators than any other trade — especially after storms. These nine checks filter them out before your deposit is at risk.
The 9 checks
- Active state license matching the exact business name on the quote.
- Insurance certificates sent from the insurer — general liability and workers' comp.
- A physical local address and a track record older than the last storm.
- Manufacturer certifications (e.g., shingle-maker credentialing) — required for the best material warranties.
- Itemized written scope: tear-off, decking repair rates, underlayment type, ventilation, flashing, disposal, permits.
- Permit pulled by the contractor, never an owner's permit.
- A sane payment schedule — small deposit, progress draws, meaningful final payment after inspection.
- Workmanship warranty in writing, separate from the manufacturer warranty, with transferability stated.
- Local references from the past year — and actually call one.
Storm-chaser tells
- Door-knocking right after hail with "free inspection" urgency
- Pressure to sign an assignment of benefits on the first visit
- Offers to "cover your deductible" — insurance fraud in most states
- Out-of-state plates and no local office
Want the full hiring framework beyond roofing? Read How to Hire a Contractor. Ready for quotes? Get matched with licensed local roofers.
Frequently asked questions
How do I verify a roofer's license?
Search your state's contractor licensing database for the exact business name on the quote and confirm the license class covers roofing and is active.
Is it illegal for a roofer to pay my deductible?
In most states, yes — deductible 'waivers' are insurance fraud and expose the homeowner as well as the contractor.