Replacing or repairing a roof is one of the most critical investments you will make in your home. Never assume a contractor is fully credentialed without proof. Use this step-by-step roadmap to protect your investment, avoid scams, and secure a quality installation.

1. Verify Credentials & Licensing

• Active State License: Verify that the contractor holds an active license with your state and local contractor licensing boards.
• Comprehensive Insurance: Require written certificates of General Liability Insurance ($1,000,000+ minimum) and Worker’s Compensation. Request that certificates be sent directly from their insurance carrier.

2. Prioritize Local Stability

Out-of-state “storm chasers” frequently flood neighborhoods following severe weather, offer low bids, execute rushed work, and disappear before warranty issues arise.

• Choose contractors with a physical business office and an established track record in your immediate region (at least 3–5 years).
• Ask for local references and recent project addresses in your area so you can inspect their finished work firsthand.

3. Compare Scope, Not Just Price

The lowest bid is rarely the most cost-effective long-term. Obtain at least three written, itemized proposals comparing exact materials:

• Underlayment & Flashing: Verify ice/water shield specs, drip edge, valley protection, and pipe boot flashing.
• Ventilation System: Confirm calculations for adequate intake (soffit) and exhaust (ridge) ventilation.
• Tear-off & Disposal: Confirm complete removal of old shingle layers and cleanup terms (e.g., magnetic sweep).

4. Understand Dual Warranties

Ensure you receive two distinct written warranties before signing:

• Manufacturer Warranty: Covers material defects (typically 25 to 50 years). Factory-certified installers (e.g., GAF Master Elite, CertainTeed Select) can offer enhanced system warranties.
• Workmanship Warranty: Covers installation errors, directly provided by the contractor (typically 5 to 10+ years).

Essential Vetting Checklist

• Proof of Insurance: Direct certificate from provider.
• Written Contract: Detailed scope, start date, and completion timeline.
• Building Permits: Contractor must pull required municipal permits.
• Factory Certification: Preferred tier from a major shingle brand.
• Lien Waiver: Signed waiver upon final payment to protect against supplier liens.

Critical Red Flags

• Demanding 100% upfront payment before materials arrive.
• Offering to “absorb” or pay your insurance deductible (this is illegal in most states).
• High-pressure sales tactics or “today-only” discount pressure.
• Unwillingness to provide a written contract or physical address.
• Unmarked vehicles or door-to-door solicitations after storms.

Safe Payment Terms

Never pay cash. Follow a structured payment schedule tied to concrete milestones:

• 10%–20%: Initial deposit upon contract signing.
• 30%–50%: Due upon material delivery at your property.
• Final Balance: Payable only after complete inspection and magnetic sweep.