15 Questions to Ask Roofing Contractor Tampa Bay 2026

Quick Answer

The Complete Tampa Bay Roofer Hiring Checklist

Section 1: Verify Licensing & Insurance (Non-Negotiable)

Question 1: “What is your Florida contractor license number?”

Why this matters:

In Florida, roofing work requires a state-issued contractor license. Operating without one is ILLEGAL and puts you at massive risk.

Types of valid FL roofing licenses:

1. CCC (Certified Roofing Contractor)

   • State-certified for roofing work
   • Most common for roofing companies
   • Unlimited scope for residential/commercial roofs

2. CBC (Certified Building Contractor)

   • General contractor license
   • Can perform roofing as part of general construction
   • Common for larger construction companies

3. Local licenses (NOT sufficient alone):

   • City/county occupational licenses
   • Business tax receipts
   • NOT the same as state contractor license

How to verify FL contractor license:

✅ Step 1: Get license number from contractor

• Should provide immediately when asked
• RED FLAG if hesitant or says “I’ll get back to you”

✅ Step 2: Verify online

• Visit: myfloridalicense.com/dbpr
• Search: License number OR contractor name
• Check: Status (active), expiration date, violations

✅ Step 3: Verify these details:

• ✅ Status: “Active” (not expired/suspended)
• ✅ Qualifier: Person who passed exam (still with company?)
• ✅ Insurance: Current liability + workers comp
• ✅ Violations: None or minor (check complaint history)
• ✅ Discipline: No suspensions/fines

What you’ll find on license lookup:

Good signs:

• Active license
• 5+ years licensed
• Clean complaint history
• Current insurance
• Qualifier still with company

Warning signs:

• Recent violations/complaints
• Insurance lapsed/expired
• Qualifier left company (operating without qualifier)
• Multiple business names (churning through companies)

Tampa Bay contractor licensing tip:

All contractors must ALSO have local city/county licenses:

• City of Tampa: Business tax receipt
• Hillsborough County: Occupational license
• Clearwater: City business license
• St. Petersburg: City occupational license

Rain Right Roofing credentials:

• FL License: #CCC1334567 (verify anytime)
• Licensed since: 2008 (17+ years)
• Violations: Zero
• Insurance: Current ($2M liability + workers comp)

Question 2: “Can you provide proof of insurance?”

Why insurance matters:

If an uninsured roofer:

• Falls off your roof → YOU’RE liable ($100,000-500,000+ medical/legal costs)
• Damages your property → YOU pay to fix it
• Injures a neighbor/pedestrian → YOU’RE sued

Two types of insurance contractors MUST have:

1. General Liability Insurance

• Minimum: $1M coverage
• What it covers: Property damage, bodily injury to third parties
• Example: Roofer drops hammer, dents car in driveway = insurance pays

2. Workers Compensation Insurance

• Required if: 3+ employees (Florida law)
• What it covers: Employee injuries on job
• Example: Roofer falls, breaks leg = workers comp pays medical (not YOUR homeowner’s insurance)

How to verify insurance:

✅ Request Certificate of Insurance (COI):

• Should list: Your name and address as “certificate holder”
• Policy limits: $1M+ general liability
• Workers comp: Active policy
• Expiration dates: Current (not expired)

✅ Call insurance company directly:

• Number on COI
• Verify: Policy active, coverage amounts accurate
• Takes 5 minutes, protects you from fraud

✅ What to look for on COI:

General Liability section:

• “Each Occurrence” limit: $1,000,000+
• “General Aggregate” limit: $2,000,000+
• Effective dates: Current (covers your project dates)

Workers Comp section:

• “Statutory Limits” for FL
• Policy number
• Effective dates current

RED FLAGS:

• ❌ Expired dates
• ❌ Won’t provide COI
• ❌ Generic certificate (not specific to your address)
• ❌ “I’ll get you that later” (should have immediately)

Florida exemptions contractors may claim:

Some contractors claim “workers comp exemption” if:

• Solo owner (no employees)
• Officers only (all workers are company officers)

If contractor claims exemption:

• Verify: Officers only, no employees
• Ask: “If you bring helpers, are they covered?”
• Get in writing: Exemption certificate from state

Question 3: “How long have you been in business in Tampa Bay?”

Why longevity matters:

5+ years = Established, trusted:

• Survived economic cycles
• Local reputation to protect
• Will be here for warranty claims
• Verifiable track record

<2 years = Possible red flags:

• Storm chaser (follows hurricanes, leaves after)
• Recently failed business (restarted under new name)
• No local references yet
• May not be here for 15-year workmanship warranty

How to verify local presence:

✅ Physical address check:

• Ask: “What’s your office/showroom address?”
• Verify: Google Maps, Street View (real location)
• RED FLAG: P.O. box, UPS store, residential address

✅ Google Business Profile:

• Search: Company name + “Tampa Bay”
• Check: Reviews (100+ = established), photos of work, response to reviews
• RED FLAG: No reviews, all reviews from 1 month ago (fake)

✅ BBB (Better Business Bureau):

• Search: Company name at bbb.org
• Check: Accreditation date, rating, complaint history
• Good sign: A+ rating, accredited 5+ years

✅ Local references:

• Ask: “Can you provide 5 Tampa Bay references from past year?”
• Call: Verify work quality, professionalism
• Visit: Drive by completed jobs (if nearby)

Tampa Bay-specific verification:

Established companies have:

• Physical showroom/office (not just warehouse)
• Multiple trucks with company logo/phone
• Local suppliers relationships (ask supplier to verify)
• Community involvement (sponsor Little League, etc.)

Storm chasers characteristics:

• Out-of-state plates on trucks
• Generic company name (“Florida Roofing Solutions”)
• Door-to-door after hurricanes
• No showroom/office
• Aggressive sales tactics

Rain Right Roofing local proof:

• In business since: 2008 (17+ years)
• Office: 3031 N Rocky Point Dr, Tampa FL 33607
• Reviews: 847 verified (Google, BBB, Angi)
• BBB: A+ rating since 2008
• Local suppliers: ABC Supply, SRS, GAF

Section 2: Project Details (Get EVERYTHING in Writing)

Question 4: “Can I see 3-5 references from the past 6 months?”

Why recent references matter:

• Quality can change over time (new crews, different management)
• Recent work = current business practices
• Similar timeline to your project = relevant

What to ask for:

✅ Contact information:

• Name, phone number, address
• Date of work completed
• Type of project (similar to yours)

✅ Mix of references:

• Similar home size to yours
• Your neighborhood or nearby
• Same material (shingles, metal, tile)

When you call references, ask:

1. “Would you hire them again?” (Most important question)
2. “Did they show up on time and finish when promised?”
3. “Was the crew professional and respectful?”
4. “How was cleanup? Any nails left behind?”
5. “Any surprises in final bill vs estimate?”
6. “How did they handle unexpected issues (rotted decking, etc.)?”
7. “Has warranty been honored if you’ve had issues?”

RED FLAGS from references:

• Poor communication
• Surprise charges not in estimate
• Sloppy cleanup (nails everywhere)
• Crews showed up late or not at all
• Pushy sales tactics
• Issues not addressed post-installation

Beyond references - check online reviews:

✅ Google Reviews: Most trusted (hard to fake)

• Look for: 100+ reviews, recent activity, 4.5+ rating
• Read: 3-star and below (most honest feedback)
• Check: Owner responses (do they address issues professionally?)

✅ BBB (Better Business Bureau):

• Complaint history: How many? How resolved?
• Accreditation: A+ rating?

✅ Angi (formerly Angie’s List):

• Verified customer reviews
• “Top Rated Pro” badge

What to ignore:

• Yelp (many fake reviews, extortion issues)
• Facebook (easily manipulated)
• Contractor’s own website testimonials (cherry-picked)

Question 5: “What does your warranty cover, and for how long?”

Two types of roof warranties:

1. Workmanship Warranty (from contractor)

• Covers: Installation defects, labor issues, leaks from improper installation
• Typical length: 5-15 years
• Good contractors: 10-15 years
• Budget contractors: 1-5 years

2. Manufacturer Warranty (from shingle/material company)

• Covers: Material defects (shingles failing prematurely)
• Typical length: “Lifetime” (shingles), 30-50 years (metal)
• Reality: Prorated after 10-15 years (you pay labor + portion of materials)

Critical warranty questions to ask:

✅ Workmanship warranty:

• “How many years do you warranty your installation work?”
• “What specifically is covered?” (leaks, blow-offs, flashing issues)
• “Is labor included for repairs or just materials?”
• “What voids the warranty?” (DIY repairs, other contractor work, missing maintenance)

✅ Manufacturer warranty:

• “Which manufacturer warranty tier do you offer?”
  • Basic: 25-30 years (prorated)
  • Enhanced: 50 years - Lifetime (non-prorated period)
  • System warranty: Requires all components from same manufacturer
• “Is it transferable if I sell my home?”
• “Do you register the warranty or do I need to?”

Tampa Bay warranty considerations:

Florida climate reduces “lifetime” warranty value:

• Shingles last 15-22 years in FL (not 25-30+ up north)
• By year 18, warranty may only cover 40-50% of materials
• Labor NOT covered by manufacturer
• Workmanship warranty MORE important in FL

Rain Right Roofing warranty:

• Workmanship: 15 years (industry-leading)
• Covers: All installation defects, leaks, blow-offs
• Labor included: Yes (we fix it at no cost to you)
• Manufacturer: GAF Lifetime, Owens Corning Duration (50 years), Metal 40-50 years
• Transferable: Yes (adds value if you sell)

Get warranty in writing BEFORE signing contract:

• Specific coverage (what’s included/excluded)
• Length (years)
• Transferability
• Claim process (how to file if issue)
• Contact info (who to call)

Question 6: “Can you provide a detailed written estimate?”

What a proper estimate includes:

✅ Itemized costs (not just total):

Materials:

• Shingles: Brand, style, color, squares needed
• Underlayment: Type (synthetic vs felt)
• Starter/ridge cap: Linear feet
• Flashing: Valleys, chimneys, vents
• Ventilation: Ridge vents, soffit vents
• Fasteners: Nails, adhesive

Labor:

• Tear-off: Removal of existing roof, disposal
• Installation: Labor to install new roof
• Crew size and days estimated

Permits & Fees:

• Building permit: $300-700
• Dumpster rental: $400-700 (often included)
• Inspection fees

Extras:

• Decking repairs: Estimated (actual determined after tear-off)
• Chimney flashing
• Skylight reflashing
• Gutter guards (if included)

✅ Timeline:

• Permit approval: 1-2 weeks
• Installation: 2-3 days (typical)
• Total project: 2-4 weeks start to finish

✅ Payment schedule:

• Deposit: 10% at signing
• Progress payments: Milestone-based
• Final payment: After completion + inspection

✅ Warranty terms:

• Workmanship: Years covered
• Manufacturer: Which warranty tier

RED FLAGS in estimates:

❌ Vague “total price only” with no breakdown

• You can’t comparison shop
• Hides corners being cut
• Surprise charges later

❌ Verbal estimate (“I’ll give you $12,000”)

• Get it in WRITING
• Protects both parties
• FL law requires written contracts for >$2,500

❌ Significantly lower than other estimates (20-30%+ less)

• Cutting corners: Cheap materials, no permits, unlicensed crew
• Bait-and-switch: Low estimate, then “discovered issues” inflate price
• Storm chaser: Takes deposit, disappears

How to compare multiple estimates:

✅ Apples-to-apples comparison:

• Same material brand/quality
• Same scope of work
• Permits included in all quotes?
• Warranty coverage equivalent?

✅ Price range for Tampa Bay (2,000 sq ft home):

• Architectural shingles: $12,000-18,000
• Metal roofing: $22,000-35,000
• Tile roofing: $25,000-40,000

If estimate is >20% outside this range:

• Too low: Cutting corners, unlicensed, scam
• Too high: Overpriced, unnecessary upsells

Question 7: “Are permits included in your estimate?”

Permits are REQUIRED for all Tampa Bay roof replacements.

Why permits matter:

✅ Legal requirement:

• City of Tampa: Required
• Hillsborough County: Required
• Clearwater, St. Pete, all Tampa Bay cities: Required
• Penalties if caught: $500-5,000 fine, forced tear-off

✅ Insurance protection:

• Claims denied if no permit
• Violates homeowner’s insurance policy
• Can’t sell home without permit history

✅ Quality assurance:

• Inspections verify proper installation
• Rough inspection: After underlayment, before shingles
• Final inspection: After completion

Permit process timeline:

1. Application: Contractor submits to city/county (1-3 days)
2. Review: Building department reviews (3-7 days)
3. Approval: Permit issued, posted at job site (1-2 weeks total)
4. Rough inspection: After underlayment installed
5. Final inspection: After completion, before final payment

Permit costs (should be included in estimate):

• City of Tampa: $300-600
• Hillsborough County: $350-700
• Clearwater: $400-650
• St. Petersburg: $350-600

RED FLAGS:

❌ “We can skip the permit to save money”

• ILLEGAL
• Voids insurance
• Can’t sell home later (title search reveals no permit)

❌ “Permit is extra, not included in quote”

• Reputable contractors include permits
• Hiding true cost

❌ “We’ll pull it after we start”

• Illegal to start before permit
• Indicates they may not pull it at all

Questions to ask about permits:

✅ “Are permits included in your quoted price?” ✅ “When will you apply for the permit?” ✅ “Will you schedule inspections or do I need to?” ✅ “What happens if we don’t pass inspection?” ✅ “Can I see a copy of the permit once issued?”

Rain Right Roofing permit process:

• Included: Always in our estimates (no surprise fees)
• We handle: Application, inspections, final approval
• Timeline: Permits before we schedule your install
• Copy provided: You receive permit copy for records
• Pass rate: 100% (we know code requirements)

Question 8: “What is your payment schedule?”

Florida law limits contractor deposits:

⚠️ Maximum 10% deposit OR $1,000, whichever is LESS

Typical fair payment schedule:

✅ 10% at contract signing (secures spot, materials ordered) ✅ 40% when materials delivered (major expense for contractor) ✅ 40% at substantial completion (roof installed, cleanup done) ✅ 10% after final inspection (permits closed, warranty registered)

Never pay 100% upfront or large deposits.

RED FLAGS - Walk away if:

❌ 50-100% upfront payment

• Classic scam: Takes deposit, disappears
• Even legit contractors shouldn’t need this

❌ Cash-only payment

• Avoids taxes, no paper trail
• Can’t dispute charges
• No protection if work is poor

❌ “Special deal if you pay today in full”

• Pressure tactic
• No legitimate reason to require immediate full payment

How to protect yourself:

✅ Pay by credit card (if option available):

• Chargeback protection if contractor fails to perform
• Paper trail of payments

✅ Pay by check (not cash):

• Written record of payment
• Can stop payment if needed
• Required for tax deduction (if roof qualifies)

✅ Never pay final payment until:

• Work completed to satisfaction
• Final inspection passed
• Cleanup finished (magnetic sweep for nails)
• Warranty documents provided
• Permits closed

Payment schedule red flags:

❌ Demands payment before work starts (beyond 10% deposit) ❌ Won’t provide receipt for payments ❌ Changes payment terms mid-project ❌ Asks for cash to “save on taxes”

Rain Right Roofing payment terms:

• Deposit: 10% at contract signing
• Progress: 40% at materials delivery, 40% at completion
• Final: 10% after final inspection and your satisfaction
• Methods: Check, credit card, financing (0% APR available)
• Never: Cash-only, 100% upfront

Section 3: Execution Details (How The Work Gets Done)

Question 9: “What is your estimated timeline from start to finish?”

Typical Tampa Bay roof replacement timeline:

Week 1-2: Pre-work

• Contract signed
• Permits applied for (1-2 weeks approval)
• Materials ordered
• Insurance claim processed (if applicable)

Week 2-3: Installation

• Day 1: Tear-off + underlayment (8-10 hours)
• Day 2: Shingle installation (8-10 hours)
• Day 3: Cleanup, final touches (4-6 hours)

Total: 2-4 weeks from contract to completion (most homes)

Factors that affect timeline:

✅ Roof size:

• 1,200-1,500 sq ft: 1-2 days
• 1,500-2,000 sq ft: 2-3 days
• 2,000-3,000 sq ft: 3-4 days
• 3,000+ sq ft: 4-5 days

✅ Roof complexity:

• Simple gable: Faster (fewer valleys, hips)
• Complex (multiple valleys, dormers): Slower
• Steep pitch (8/12+): Add 1-2 days (safety equipment)

✅ Material type:

• Asphalt shingles: Standard timeline
• Metal roofing: +1-2 days (precision cutting)
• Tile: +2-4 days (labor-intensive)

✅ Weather (Tampa Bay-specific):

• Summer (June-September): Afternoon thunderstorms delay work daily
• Hurricane season: May need to reschedule if storm approaches
• Winter (October-April): Best weather, fewer delays

✅ Decking repairs:

• Average Tampa Bay home: 5-10 sheets damaged plywood
• Adds: 0.5-1 day to timeline
• Can’t predict until tear-off (hidden damage)

Questions to ask about timeline:

✅ “When is the earliest you can start?” ✅ “How many days will the crew be at my house?” ✅ “What happens if weather delays us?” ✅ “If you find extensive decking damage, how does that change timeline?” ✅ “Will my home be weatherproof every night?” (Important in rainy season)

Rain Right Roofing timeline:

• Permits: 1-2 weeks (we handle)
• Installation: 2-3 days (most homes)
• Weather delays: Roof sealed each night (rain-proof)
• Decking repairs: Handle same-day (keep timeline on track)
• Communication: Daily updates on progress

Question 10: “What material brands and options do you use?”

Why material brand matters:

Not all shingles are equal. National brands offer better warranties, consistent quality, and proven Florida performance.

Top shingle brands for Tampa Bay:

Tier 1 (Premium): ✅ GAF (most popular in Tampa Bay)

• Timberline HDZ: Architectural, algae-resistant
• Timberline HDZ Class 4: Impact-resistant (insurance discount)
• Warranty: Lifetime limited (50 years non-prorated)

✅ Owens Corning

• Duration: SureNail technology (superior wind resistance)
• Duration Storm: Class 4 impact
• Warranty: Lifetime limited (50 years)

✅ CertainTeed

• Landmark: Good mid-tier option
• Landmark Impact: Class 4 rating
• Warranty: Lifetime limited

Tier 2 (Budget):

• Tamko, Atlas, IKO: Lower cost, shorter warranties
• Not bad, but less proven in Florida climate

Metal roofing options: ✅ Standing seam: Best longevity (50+ years), hidden fasteners ✅ 5V crimp: More affordable, exposed fasteners ✅ Metal tile: Looks like clay tile, lighter weight

Material questions to ask:

✅ “What brand do you recommend for Tampa Bay and why?”

• Should explain: Florida climate considerations
• Good answer mentions: Algae resistance, wind rating, warranty

✅ “Do you offer multiple quality tiers (good/better/best)?”

• Options show transparency
• Allows you to choose based on budget

✅ “Are materials included in your quote or add-ons?”

• Full breakdown: Shingles, underlayment, ridge cap, flashing
• Beware: “Base price” that excludes necessities

✅ “Do you use manufacturer-certified installers?”

• GAF Master Elite, Owens Corning Preferred, etc.
• Better warranties (50 year vs 25 year)
• Proves training/expertise

RED FLAGS:

❌ “We use whatever is cheapest that week” ❌ Won’t name brands (generic “architectural shingles”) ❌ Pushes one brand only without options ❌ Uses materials not rated for Florida (no wind rating)

Rain Right Roofing materials:

• Brands: GAF (most popular), Owens Corning, CertainTeed
• Certifications: GAF Master Elite, Owens Corning Preferred Contractor
• Options: Good/Better/Best tiers (all quality, different price points)
• Warranties: Enhanced (50-year manufacturer + 15-year workmanship)
• Florida-rated: All materials meet/exceed FL wind code (130-150 mph)

Question 11: “How many crew members, and are they your employees or subcontractors?”

Why crew composition matters:

Company employees: ✅ Trained to company standards ✅ Covered by company insurance ✅ Accountable (can be fired for poor work) ✅ Consistent quality

Subcontractors: ⚠️ Variable quality (depends on sub) ⚠️ Less accountability ⚠️ Insurance coverage (verify sub has own insurance) ⚠️ Communication issues (may not speak English)

Typical crew size:

• 3-4 person crew: Standard for most homes
• 5-6 person crew: Larger/complex roofs
• 1-2 person crew: RED FLAG (too small, will take forever)

Questions to ask:

✅ “Are crew members your direct employees or subcontractors?”

• Preference: Direct employees (better control)
• If subs: “Are they licensed and insured independently?”

✅ “Is there an English-speaking foreman on site?”

• Important for: Communication, questions, changes
• You shouldn’t have to call office for every question

✅ “Are crews manufacturer-certified installers?”

• GAF, Owens Corning, etc. require training
• Better quality work

✅ “What happens if I’m unhappy with a crew member?”

• Good companies: Replace immediately
• RED FLAG: “That’s who we have available”

Tampa Bay labor considerations:

Many Tampa Bay roofers use:

• Mix of employees and subs
• Spanish-speaking crews (common, not a problem if foreman speaks English)
• Same crews repeatedly (consistency)

What matters most: ✅ Crew is trained ✅ Company supervises/inspects work ✅ Communication channel exists ✅ Workers comp covers everyone on site

Rain Right Roofing crews:

• Size: 4-6 person crews (efficient, not rushed)
• Type: Direct employees (not subs)
• Training: Manufacturer-certified (GAF, Owens Corning)
• Foreman: English-speaking, answers questions
• Supervision: Project manager checks quality daily
• Same crews: We use our trained crews (consistency)

Question 12: “Is cleanup and debris removal included?”

What “cleanup” should include:

✅ Dumpster rental and haul-away:

• Old shingles, underlayment, flashing
• Cost: $400-700 (should be included)

✅ Magnetic sweep of property:

• Picks up nails from lawn, driveway, bushes
• Protects: Car tires, pets, kids
• Should be done: Daily and at project end

✅ Landscaping protection:

• Tarps protect bushes, flowers
• Wood boards protect AC unit, walkways
• Clean gutters after (remove debris)

✅ Final site cleanup:

• No trash, nails, debris left
• Driveway clear
• Property looks better than when they arrived

Questions to ask:

✅ “Is dumpster rental included in your quote?” ✅ “Do you do a magnetic sweep for nails?” ✅ “How do you protect my landscaping and AC unit?” ✅ “Do you clean gutters of debris when done?” ✅ “What if I find nails in my yard after you leave?”

RED FLAGS:

❌ Dumpster “extra” (not included in quote) ❌ No magnetic sweep (you’ll get flat tires) ❌ “We’ll haul debris away” (in pickup truck - inadequate for full roof) ❌ Poor cleanup reputation in reviews

Rain Right Roofing cleanup:

• Dumpster: Included in every quote
• Magnetic sweep: 2-3 times during project + final sweep
• Protection: Tarps on landscaping, wood boards on walkways
• Gutters: Cleared of debris
• Final walkthrough: With you, address any concerns
• Guarantee: If you find nails within 30 days, we return for sweep

Section 4: Quality Assurance & Post-Installation

Question 13: “What is your inspection process during and after installation?”

Multi-point inspection process (good contractors):

✅ Pre-work documentation:

• Photos of existing roof (all sides)
• Note existing damage (not responsible for pre-existing)
• Attic inspection (check for leaks, ventilation)

✅ During installation:

• After tear-off: Inspect decking (document rotted areas)
• After underlayment: Rough inspection (permits required)
• During installation: Project manager spot-checks quality

✅ Post-installation:

• Final walkthrough with homeowner
• Address concerns immediately
• City/county final inspection (permits)
• Cleanup verification

✅ Follow-up:

• 30-day check-in (any issues?)
• 1-year inspection (catch warranty issues early)
• Available for questions/concerns

Questions to ask:

✅ “Do you take photos before/during/after?” ✅ “Will you walk me through the completed work?” ✅ “What if I’m not satisfied with something?” ✅ “Do you offer post-installation inspections?”

Rain Right Roofing inspection process:

• Pre-work: Full photo documentation
• During: Project manager daily checks
• Decking: Show you any rot (with photos, fair pricing)
• Final walkthrough: We don’t leave until you’re satisfied
• Photos: You receive full photo documentation
• 1-year inspection: We proactively schedule (catch any issues early)

Question 14: “What happens if I have issues after installation?”

Warranty claim process (should be clear BEFORE you sign):

✅ How to file claim:

• Phone number to call
• Email contact
• Online portal (some companies)

✅ Response timeline:

• Emergency (leak): 24-48 hours
• Non-emergency: 1 week

✅ Resolution process:

• Inspection scheduled
• Determine if warranty issue
• Repair scheduled (usually within 1-2 weeks)

Questions to ask:

✅ “If my roof leaks in 5 years, what’s the process?” ✅ “How quickly can you respond to warranty issues?” ✅ “Do you have a dedicated service department?” ✅ “What if the issue is debatable (is it covered or not)?”

RED FLAGS:

❌ Vague: “Just call us” (no specifics) ❌ “Warranty through manufacturer only” (avoids responsibility) ❌ “We’ll see if it’s covered” (should know coverage upfront)

Rain Right Roofing post-installation:

• Contact: Direct line to service department (813) 555-ROOF
• Response: 24-48 hours for leaks, 1 week for non-emergency
• Process: Inspection → repair (if warranty issue, no charge)
• Dedication: 17+ years means we’ll be here for your warranty
• Local: We’re not going anywhere (local office, not storm chaser)

Question 15: “Can you provide a written contract before I sign?”

What the contract must include (Florida law):

✅ Company information:

• Business name, address, phone
• FL contractor license number
• Insurance policy numbers

✅ Scope of work:

• Detailed description of work to be performed
• Materials (brands, quantities)
• Start and completion dates (or timeframe)

✅ Pricing:

• Itemized costs OR total price
• Payment schedule
• What’s included/excluded

✅ Permits and warranties:

• Who obtains permits (contractor)
• Warranty terms (workmanship + manufacturer)

✅ Change order process:

• How additional work is handled (rotted decking, etc.)
• Must be in writing
• Price agreed before work performed

✅ Cancellation terms:

• FL 3-day right to cancel (for contracts signed at your home)
• How to cancel (certified mail)
• Refund terms

RED FLAGS:

❌ Verbal agreement only (“We don’t need a contract”) ❌ Generic contract (no specifics for your project) ❌ Won’t let you take contract home to review ❌ Pressure to sign immediately (“Price only good today”)

Rain Right Roofing contract:

• Written: Always (FL law requires for >$2,500)
• Detailed: Scope, materials, timeline, pricing, warranties
• Review time: Take it home, read carefully, ask questions
• No pressure: Sign when you’re comfortable
• Plain English: No confusing legal jargon

Tampa Bay Roofing Scams to Avoid

Top 10 Red Flags - Walk Away If You See These:

1. No FL Contractor License

• ❌ Can’t provide license number
• ❌ “I’m getting my license soon”
• ❌ “I work under another contractor’s license” (verify with that contractor)

2. No Insurance or Expired Insurance

• ❌ Won’t provide Certificate of Insurance
• ❌ Expired coverage
• ❌ “I’ll add you to my policy later”

3. Door-to-Door After Storm (Storm Chasers)

• ❌ Knock on door immediately after hurricane
• ❌ Out-of-state plates on trucks
• ❌ “I’m in the neighborhood doing work”
• ❌ High-pressure: “I can start tomorrow if you sign today”

4. Large Upfront Payment (>10%)

• ❌ Requires 50-100% upfront
• ❌ “I need to buy materials” (legitimate contractors have credit with suppliers)
• ❌ Cash-only payment

5. “We Can Skip the Permit” (Illegal)

• ❌ “Save money by not pulling permit”
• ❌ “Permits aren’t necessary for small jobs” (FALSE - all roof replacements require permits)

6. “Today Only” Pressure Pricing

• ❌ “This price expires at 5pm today”
• ❌ “I have another customer who wants this slot”
• ❌ Won’t let you get other estimates

7. Offers to “Waive Your Deductible” (Insurance Fraud)

• ❌ “We’ll eat the deductible”
• ❌ “Don’t tell your insurance we waived it”
• ❌ This is FRAUD - gets you and contractor in legal trouble

8. No Local Address or References

• ❌ P.O. box only
• ❌ Out-of-state company
• ❌ Can’t provide local references
• ❌ No Google reviews (or all fake reviews from same date)

9. Significantly Lower Price Than Others (20-30%+ less)

• ❌ Too good to be true = probably is
• ❌ Cutting corners: Unlicensed labor, cheap materials, no permits
• ❌ Bait-and-switch: Low estimate, then inflated price mid-project

10. No Written Contract or Vague Contract

• ❌ Verbal agreements only
• ❌ “We’ll write it up after you pay deposit”
• ❌ Vague scope of work
• ❌ No warranty terms

How Much Should You Pay? Tampa Bay Pricing Guide

Fair pricing for quality work (2,000 sq ft home, 2026):

Asphalt Shingle Roofs:

Metal Roofing:

Tile Roofing:

Included in fair pricing:

• ✅ All materials (shingles, underlayment, flashing, vents)
• ✅ Labor (tear-off, installation, cleanup)
• ✅ Permits and inspections
• ✅ Dumpster rental
• ✅ Warranty (workmanship + manufacturer)
• ✅ Licensed, insured contractor

NOT included (typical add-ons):

• Decking repairs: $50-80 per sheet (can’t predict until tear-off)
• Structural repairs: Variable (rare)
• Upgrades: Skylights, solar fans, etc.

Your Tampa Bay Roofer Hiring Checklist

Before signing contract, verify:

✅ FL contractor license (myfloridalicense.com) ✅ Proof of insurance (general liability + workers comp) ✅ 5+ years in business (local, established) ✅ 3-5 recent references (called and verified) ✅ Online reviews (100+ reviews, 4.5+ rating) ✅ Written detailed estimate (itemized costs) ✅ Permits included (contractor handles) ✅ Fair payment schedule (max 10% deposit) ✅ Clear timeline (start and finish dates) ✅ Material brand/quality (GAF, Owens Corning, etc.) ✅ Crew information (employees vs subs) ✅ Cleanup included (dumpster, magnetic sweep) ✅ Warranty terms in writing (10-15 years workmanship) ✅ Written contract (all terms clear) ✅ No pressure tactics (time to review, compare)

Walk away if: ❌ No FL license or insurance ❌ Requires large upfront payment (>10%) ❌ “Skip permit to save money” ❌ Door-to-door solicitation ❌ “Today only” pressure pricing ❌ Cash-only payment ❌ Verbal estimates/contracts only ❌ Won’t provide references ❌ Significantly lower price than competitors (20-30%+ less)

Frequently Asked Questions

How do I verify a Florida roofing contractor license?

Visit: myfloridalicense.com/dbpr

Search: License number OR contractor name

Verify these details:

• ✅ Status: “Active” (not expired/suspended)
• ✅ Qualifier: Person who passed exam (still with company?)
• ✅ Insurance: Current liability + workers comp
• ✅ Discipline: No major violations/fines
• ✅ Complaints: None or minor

Takes 2 minutes, protects you from unlicensed scams.

What questions should I ask roofing contractor references?

Call at least 3 references and ask:

1. “Would you hire them again?” (Most important)
2. “Did they finish on time and on budget?”
3. “Was the crew professional and respectful?”
4. “How was cleanup? Any damage to property?”
5. “Any surprises in final bill vs estimate?”
6. “If you had issues, how did they handle it?”
7. “How’s the roof performing now (months/years later)?”

Listen for: Enthusiasm (or hesitation), specific examples, honesty about minor issues and resolution.

How much deposit should I pay a roofer in Florida?

Florida law: Maximum 10% deposit OR $1,000 (whichever is less)

Fair payment schedule:

• 10% at contract signing
• 40% when materials delivered
• 40% at substantial completion
• 10% after final inspection

NEVER:

• ❌ Pay 50-100% upfront
• ❌ Pay cash (no paper trail)
• ❌ Pay before work starts (beyond 10%)

If contractor demands more: Walk away - likely scam or financial trouble.

What permits are needed for roof replacement in Tampa Bay?

All cities/counties require permits:

• City of Tampa: Building permit ($300-600)
• Hillsborough County: Roofing permit ($350-700)
• Clearwater, St. Pete, all Tampa Bay: Required

Contractor should:

• ✅ Handle permit application
• ✅ Include cost in estimate
• ✅ Schedule inspections (rough + final)
• ✅ Provide copy of permit for your records

Never skip permits - illegal, voids insurance, can’t sell home.

How long should a roofing contractor warranty their work in Tampa Bay?

Industry standard workmanship warranty:

• Minimum: 5 years (budget contractors)
• Good: 10 years (reputable contractors)
• Excellent: 15 years (top contractors like Rain Right Roofing)

What it should cover:

• Installation defects
• Leaks from improper installation
• Blow-offs from improper fastening
• Labor + materials for repairs

Manufacturer warranty:

• Shingles: “Lifetime” (actually 25-50 years, prorated)
• Metal: 40-50 years (paint), lifetime (panels)

Get warranty in writing before signing contract.

What are signs of a roofing scam in Tampa Bay?

Top 10 red flags:

1. ❌ No FL contractor license
2. ❌ No insurance or won’t provide proof
3. ❌ Door-to-door after storm
4. ❌ Large upfront payment (>10%)
5. ❌ “Skip permit to save money”
6. ❌ “Today only” pressure pricing
7. ❌ Offers to waive insurance deductible
8. ❌ No local address/references
9. ❌ Price 20-30%+ lower than competitors
10. ❌ Won’t provide written contract

If you see ANY of these: Walk away immediately.

Should I get multiple roofing estimates in Tampa Bay?

YES - get 3-5 estimates.

Why multiple estimates matter:

✅ Price comparison:

• Typical range: $12,000-18,000 (2,000 sq ft, shingles)
• If one is 20-30% lower: RED FLAG (cutting corners)
• If one is 20-30% higher: Overpriced or unnecessary upsells

✅ Quality comparison:

• Materials: Brand, warranty tier
• Workmanship: Years of warranty offered
• Scope: What’s included/excluded

✅ Contractor evaluation:

• Professionalism during estimate
• Communication style
• Pressure tactics (or lack thereof)

How to compare estimates:

• Same material quality (apples-to-apples)
• Same scope of work
• Permits included in all?
• Warranty terms equivalent?

Best value: Mid-range price + excellent reviews + long workmanship warranty

Ready to Hire the Right Tampa Bay Roofer?

Why Tampa Bay Homeowners Choose Rain Right Roofing:

Credentials You Can Verify: ✅ FL License #CCC1334567 (verify at myfloridalicense.com) ✅ A+ BBB Rating since 2008 (17+ years) ✅ 847 five-star reviews (Google, Angi, BBB - verified) ✅ $2M insurance (general liability + workers comp) ✅ Zero violations (clean FL contractor record)

Transparent Process: ✅ Free detailed estimates (itemized, written, no obligation) ✅ Multiple material options (good/better/best - your choice) ✅ Permits included (we handle everything) ✅ Fair payment (10% deposit max, never cash-only) ✅ Clear timeline (start and finish dates)

Quality Assurance: ✅ Direct employees (not subcontractors - our trained crews) ✅ Manufacturer certified (GAF Master Elite, Owens Corning Preferred) ✅ 15-year workmanship warranty (industry-leading) ✅ Lifetime manufacturer warranties (enhanced warranties) ✅ 100% permit pass rate (we know FL building code)

Proven Track Record: ✅ 3,500+ roofs installed (Tampa Bay, 2008-2026) ✅ 17+ years local (same office, same owners) ✅ Local suppliers (ABC Supply, SRS, GAF - verify our reputation) ✅ Community involved (not storm chasers)

Related Resources

Hiring & Planning:

• How to Spot Roofing Scam Tampa Bay - Red flags
• How to Know If You Need New Roof - Warning signs
• FL Roofing Contractor License Lookup - Verification guide

Cost & Budgeting:

• Tampa Roof Replacement Cost - Detailed pricing
• How to Finance Roof Replacement - Payment options
• Is 0% Financing Worth It? - ROI analysis

Materials & Options:

• Best Shingles for Florida Heat - Brand comparison
• Metal vs Shingle Roofs Florida - Pros/cons
• Impact-Resistant Shingles Worth It? - Insurance discounts

Related Services

• Roof Inspection - Professional assessment before hiring
• Roof Replacement - Our process explained
• Emergency Roof Repair - 24/7 service

Tampa Bay Service Areas

Hillsborough: Tampa • Brandon • Riverview Pinellas: Clearwater • St. Petersburg • Largo

View all service areas →

Last updated: January 24, 2026 15-question checklist based on 17+ years Rain Right Roofing contractor hiring experience and Florida contractor regulations