INTRODUCTION:
A new roof represents a significant investment in your home’s long‑term protection. One misstep, like choosing the wrong contractor, could cost you more in damages, repairs, or legal headaches. That’s why working with a roofer who’s licensed, bonded, and insured is essential. Even if your region doesn’t mandate all three, opting for a contractor who carries them demonstrates professionalism and ensures you’re safeguarded throughout the process.
ARE ALL THREE NECESSARY?
Ideally, yes. A reputable roofing contractor should hold valid licenses, a Residential Roofer Bond, and the proper insurance. These three credentials act as safeguards for both the homeowner and the contractor. Always ask potential roofers to provide physical proof of each, and verify that they’re recognized in your state.
UNDERSTANDING LICENSING, BONDING & INSURANCE:
Here’s a breakdown of what each accreditation means:
- LICENSING: A license certifies that the roofer has completed the required training and passed official exams. Depending on the job’s value, different license types may be needed—for example, “home improvement” for smaller jobs and “general contractor” for larger ones. Most roofing projects fall into the general contractor category.
2. BONDING: Being bonded means an external bonding agency has financially vetted the contractor. If the roofer goes out of business mid-project or fails to correct substandard work, the bond provides compensation to cover completion or reparation.
- INSURANCE: Key insurance policies include general liability (protects against property damage or accidents) and workers’ compensation (covers job‑site injuries). Additionally, vehicle insurance for company trucks is often required. Insurance costs depend on the size and scope of the business.
WHY YOU SHOULD INSIST ON ALL THREE?
Even in places where not legally mandatory, hiring a roofer who lacks any of these credentials is a red flag. Without them, homeowners have limited avenues for recourse if something goes wrong, even worse, no guarantee that damages or injuries will be covered. Always request copies of documentation before signing a contract.
WHAT TO LOOK FOR IN A GREAT ROOFER?
Beyond licensing, bonding, and insurance, consider these important factors:
- LOCAL PRESENCE AND REPUTATION: Local companies are more likely to be familiar with your area’s building codes and still be around if problems arise later.
- STRONG WORKMANSHIP WARRANTIES: Look for coverage lasting at least 10 years; lifetime or 25‑year warranties are even better.
- MANUFACTURER CERTIFICATIONS: Roofers endorsed by top shingle brands offer higher-quality products and superior support.
- CURRENT REVIEWS AND REFERENCES: Recent reviews reflect ongoing quality; avoid companies with frequent issues.
- DETAILED, TRANSPARENT ESTIMATES: Every cost, from labour to materials, should be itemized to avoid hidden fees.
CONCLUSION:
Hiring a roofer isn’t just about finding someone to install stepping stones; it’s about protecting your home, your investment, and your peace of mind. By choosing a contractor who is licensed, bonded, and insured, you gain solid protection against poor workmanship, legal issues, or unexpected costs
