Choosing the wrong roofing contractor can cost you thousands in repairs, void your warranty, and leave you with a roof that fails prematurely. Use this 10-point checklist to evaluate any contractor before signing a contract.
The 10-Point Contractor Checklist
Verify NJ Home Improvement Contractor License
NJ requires all home improvement contractors to be registered with the Division of Consumer Affairs. Ask for their NJHIC registration number and verify it online.
Confirm Liability Insurance & Workers' Comp
Request a Certificate of Insurance directly from their insurer. A reputable contractor carries at least $1M in general liability and workers' compensation coverage.
Check Manufacturer Certifications
Certifications from Owens Corning, GAF, and CertainTeed mean the contractor has been vetted and trained by material manufacturers. This also unlocks better warranties for you.
Read Google Reviews (Not Just Testimonials)
Look for 50+ reviews with a 4.5+ average on Google. Pay attention to how the company responds to negative reviews — that reveals their character.
Get a Detailed Written Estimate
The estimate should itemize materials, labor, tear-off, disposal, permits, and warranty terms. Vague estimates are a red flag.
Ask About Warranty Coverage
Understand the difference between manufacturer material warranties (25–50 years) and workmanship warranties. Top contractors offer 10+ year workmanship guarantees.
Confirm They Verify Permit Requirements
Since New Jersey's 2018 ordinary-maintenance rule, most 1- and 2-family roof replacements no longer require a permit — but structural changes, skylights, multi-family buildings, and certain local ordinances still do. A good contractor checks with your municipality and pulls any permit required.
Ask for Local References
A good contractor can provide 5+ references from recent projects in your area. Drive by completed projects to see their work firsthand.
Beware Storm Chaser Warning Signs
Out-of-state plates, no local address, high-pressure tactics, and 'insurance specialists' who appear after storms are major red flags.
Compare 3+ Quotes (Not Just Price)
The cheapest bid often cuts corners. Compare scope of work, materials, warranties, and company reputation — not just the bottom line.
Red Flags vs. Green Flags
| 🚩 Red Flag | ✅ Green Flag |
|---|---|
| No NJHIC license number | Provides license # upfront |
| Demands large upfront payment | Small deposit, milestone payments |
| No written estimate or vague scope | Detailed line-item estimate |
| No manufacturer certifications | Owens Corning/GAF/CertainTeed certified |
| Few or no Google reviews | 100+ reviews, 4.5+ rating |
| Won't pull permits | Handles permits as standard |
| Pressure to sign immediately | Gives you time to decide |
iHome Designs Passes All 10 Points
172+ five-star reviews · Owens Corning & GAF certified · Licensed & insured · 3,000+ projects completed