Roofing contractor licence

Roofing sits in a specialty classification in most board states, which means it is licensed in its own right rather than swept up under a general licence. Some states go further and run a distinct roofing registration with its own bond, on top of the ordinary contractor licence.

The reason is claims. Roofing failures are expensive, they are slow to appear, and the work is invisible from the ground — the same logic that puts electrical on its own ladder puts roofing in its own class.

A general building licence is for projects involving at least two unrelated trades. A stand-alone re-roof is one trade. In classification terms it is specialty work, and holding a general licence does not automatically entitle you to contract for it.

Roofing is at or near the top of most carriers’ construction rating tables, and three things put it there.

• Height. Falls are the dominant construction injury, and roofing is where they happen. That lands on workers’ comp.
• Water. A roofing defect does not stay on the roof. Interior damage from a bad install is what makes the general liability claim large.
• Delay in discovery. Defects surface seasons later, so claims arrive against the completed-operations aggregate rather than the general one.

Expect trade-specific exclusions on a cheap quote, and read them. A general liability policy that carves out the exact operation you perform is not insurance, it is a certificate. Our GL guide lists the carve-outs that matter.

After a major weather event, states that otherwise regulate roofing lightly often impose additional rules quickly: registration for out-of-state contractors, restrictions on door-to-door solicitation, mandatory contract language and cooling-off periods, and limits on advertising to absorb a homeowner’s deductible.

If you follow storms, check the affected state’s emergency provisions before you travel, not after you arrive. These rules are usually enforced hardest in the first weeks, which is exactly when the work is there.