The short answer
Check that the contractor holds the right Minnesota license, ask for proof of insurance, and get a written, itemized quote that covers permits and coverage terms. Be careful with door-to-door storm chasers, big cash deposits and pressure to sign on the spot. A good roofer gives you time to compare.
On this page
Check the license and insurance
Minnesota requires many contractors who work on homes to hold a license, such as a residential building contractor or residential roofer license. Look the license up on the Minnesota Department of Labor and Industry website, and make sure the name on the license matches the name on the quote.
Ask for proof of insurance too, and ask to have it sent straight from the insurer. Insurance protects you if a worker is hurt or something on your property is damaged during the job.
Get a written, itemized quote
A solid quote lists the materials by brand and product line, the work to be done, how old roofing is removed and what happens to the debris. It should also say who pulls the permit. Vague one-line quotes make it hard to compare bids.
Get more than one quote and read them side by side. If one bid leaves out steps the others include, ask why before you decide.
Permits and coverage
Many cities require a permit for a roof replacement. A reputable contractor handles the permit and tells you what the city office needs. If a roofer suggests skipping it, treat that as a warning sign.
Coverage comes in two kinds. Product coverage from the manufacturer applies to the shingles or other materials. Workmanship coverage applies to the installation and comes from the contractor. Ask for each in writing and read what it covers, who stands behind it and what could void it.
Red flags after a storm
After hail or wind, out-of-town crews often knock on doors. Some are honest, but many are storm chasers who leave once the work dries up. Be wary of anyone who cannot show a local address, a license and insurance.
Other red flags are a large cash deposit up front, pressure to sign on the spot, an offer to cover your deductible, and a demand that you sign over your insurance claim. Take your time. A storm-damaged roof can usually wait a few days while you compare.
Want a local pro to take a look? Request a quote and add a photo. Quotes provided by our network of licensed, insured local contractors to get you top quality at a fair price.
Related service: Roof replacement in Rochester, MN. Browse the towns we cover or all roofing guides.
