Indiana Roofing Contractor Checklist: What to Verify Before You Sign

A new or repaired roof is one of the biggest investments you'll make in your home. In Indiana, the roofing industry is active — and unfortunately, so are fly-by-night contractors and storm chasers who disappear after taking your deposit. Before you hand over a single dollar, work through this checklist to protect yourself.

1. Confirm Indiana Licensing and Registration Requirements

Indiana does not require a statewide contractor's license specifically for roofing work the way some states do. However, that does not mean anything goes. Here's what you should still verify:

• Local permits and municipal licenses: Many Indiana cities and counties — including Indianapolis, Fort Wayne, and Evansville — require contractors to register locally or pull building permits for roofing jobs. Ask your contractor whether a permit is needed for your project and who is responsible for pulling it. A reputable contractor will handle the permit themselves.
• Business registration: Confirm the company is registered with the Indiana Secretary of State. You can search the Indiana Secretary of State Business Search at no cost.
• Home Improvement Fraud Act: Indiana's Home Improvement Fraud Act (IC 35-43-6) makes it a crime for contractors to deceive homeowners on home improvement contracts. Knowing this law exists is extra protection for you.

2. Verify Insurance — This Step Is Non-Negotiable

Never let a roofer start work without proof of two types of insurance:

General Liability Insurance This covers damage to your property if something goes wrong during the job — a ladder through a window, shingles damaging your landscaping, etc. Ask for a certificate of insurance (COI) and call the insurance company directly to confirm it's current.

Workers' Compensation Insurance If a worker falls off your roof and the contractor has no workers' comp, you could be held liable. Indiana law (IC 22-3) requires most employers to carry workers' compensation. Verify this before work begins.

If a contractor says they're "self-insured" or waves off the question, that's a red flag. Start a free intake to connect with vetted local contractors.

3. Get Everything in Writing — Review the Contract Carefully

Verbal agreements mean nothing when a dispute arises. Your written contract should include:

• Scope of work: Exactly what is being replaced or repaired. Which layers? Decking? Flashing? Gutters?
• Materials specified: Brand, shingle type, color, and warranty (manufacturer's warranty vs. workmanship warranty).
• Start date and projected completion date.
• Payment schedule: Never pay 100% upfront. A reasonable deposit is typically 10–30%. Final payment should be due only after you inspect the completed work.
• Cleanup and disposal: Who hauls away old shingles and debris?
• Lien waiver: Confirm the contractor will provide a lien waiver upon final payment so subcontractors can't place a mechanic's lien on your home.
• Change-order process: Any scope changes should require written approval before additional work begins.

4. Watch for Storm-Chaser Red Flags

After a hailstorm or windstorm, Indiana neighborhoods fill with out-of-state contractors looking to grab insurance jobs quickly. Some are legitimate; many are not. Red flags include:

• Knocking on your door unsolicited the day after a storm
• Asking you to sign an "Assignment of Benefits" or a document that signs over your insurance claim to them
• Offering to waive your insurance deductible (this is insurance fraud in Indiana)
• No local address, no local phone number, and payment via cash only
• Pressure to sign immediately with a "today only" discount

If you're unsure whether a contractor is legitimate, talk to our 24/7 AI intake agent before you sign anything.

5. Check References, Reviews, and Track Record

A contractor with nothing to hide will happily provide references. Go beyond Google and Yelp:

• Better Business Bureau (BBB): Search the BBB's Indianapolis or regional Indiana chapter for complaints and ratings.
• Indiana Attorney General's Office: You can file or look up complaints at in.gov/attorneygeneral.
• Neighbors and local Facebook groups: Ask who local homeowners actually used and trusted.
• Manufacturer credentials: Top shingle brands like GAF, Owens Corning, and CertainTeed certify select contractors. Certified contractors often offer extended warranties that non-certified contractors cannot.

6. Understand Your Indiana Consumer Protections

If something goes wrong after the job, Indiana law gives you tools:

• Indiana Home Improvement Fraud Act (IC 35-43-6): Deceptive practices in a home improvement contract can be prosecuted as a crime.
• Indiana Deceptive Consumer Sales Act (IC 24-5-0.5): Gives consumers the right to sue for deceptive acts, potentially recovering actual damages, attorney's fees, and in some cases additional damages — amounts vary case by case.
• Mechanic's Liens: If a subcontractor or supplier was not paid by your contractor, they can file a lien against your property. Always request lien waivers.
• Small Claims Court: For disputes under $10,000, Indiana Small Claims Court is an affordable option.

Always consult an attorney to understand how these laws apply to your specific situation.

Frequently Asked Questions

Does Indiana require roofers to be licensed statewide?

No. Indiana does not have a single statewide roofing license. However, many cities and counties require local registration or building permits. Always ask your contractor to confirm local requirements and pull any necessary permits.

Is it legal for a roofer to waive my insurance deductible in Indiana?

No. Waiving an insurance deductible is considered insurance fraud under Indiana law. If a contractor offers to "eat" your deductible as an incentive, walk away.

How much should I pay upfront to a roofing contractor in Indiana?

A deposit of 10–30% of the total project cost is generally reasonable. Be very cautious of any contractor demanding more than 50% before work begins. Never pay in full until the job is complete and you are satisfied.

What should I do if my Indiana roofer did poor work or disappeared with my money?

First, document everything — photos, texts, emails, the contract. Then file a complaint with the Indiana Attorney General's Office and your local BBB chapter. If the amount in dispute is under $10,000, Small Claims Court may be an option. For larger amounts or suspected fraud, consult an attorney.

How do I find a reputable roofing contractor in Indiana?

Ask neighbors for referrals, check BBB ratings, look for manufacturer-certified installers, and always get at least three written quotes before deciding. You can also use our free intake tool to get connected with pre-screened local contractors.

Talk to our 24/7 AI to see if you have a strong case — free, no obligation. → Start free intake