Homeowner guide
Roofing Companies Indianapolis: Questions to Ask Before You Hire
Comparing roofing companies Indianapolis homeowners can choose from is easier when you ask every one of them the same questions. Written answers show you who is organized, honest and ready to stand behind the work.
The short answer: Homeowners usually pay for a roof with savings, a home equity loan or line of credit, a personal loan, financing offered through the roofing company, or an insurance payout when the damage is covered. The right choice depends on the total cost of borrowing, not the monthly payment, so compare the interest rate, fees and payoff terms in writing before you commit.
Ask about insurance and licensing first
Ask for a current certificate of insurance showing general liability coverage and workers compensation, and ask your insurance agent or the certificate issuer to confirm it is active. Without coverage, you could be responsible if a worker is hurt on your property or the crew damages your home.
Licensing rules for roofers are different from many trades. Our guide on whether roofers need a license in Indiana explains what the state and the City of Indianapolis do and do not require, so you know what to ask for.
Ask what the estimate includes
- Is the estimate in writing, with the scope of work and the materials named by brand and product line?
- Does the price include tear-off, disposal, underlayment, flashing, drip edge and ventilation?
- How will damaged roof decking be handled, and is there a per-sheet price?
- What is not included?
See our guide to reading a roofing estimate if any line item is unclear.
Ask about the schedule and the crew
- When can work start, and what happens if weather delays it?
- Will the work be done by your own crew or subcontractors?
- Who is on site each day and who can you call with questions?
Ask about permits, protection and cleanup
- Who pulls the permit, if one is required for your address?
- How will landscaping, siding and gutters be protected?
- How is debris cleaned up, and is a magnetic sweep for nails included?
Ask about warranties
Ask which warranties apply: the manufacturer warranty on the shingles and the contractor workmanship warranty. Ask what each one covers, how long it lasts, and what could void it. Get both in writing.
Ask how they handle insurance claims
If your roof was damaged by hail or wind, ask how the contractor documents damage and whether they will meet your adjuster. Be cautious of anyone who promises the claim will be approved or offers to cover your deductible, because that is a warning sign.
Red flags to walk away from
- Pressure to sign the same day.
- A large cash deposit before any materials are ordered.
- No written estimate or contract.
- Door-to-door sales after a storm with no local address you can verify.
Before you sign, use our contract checklist.
Hiring a roofer: common questions
How many roofing estimates should I get?
Getting two or three written estimates for the same scope makes it easier to spot unusual prices or missing items.
Should I pay a deposit?
Deposits are common, but the amount and timing should be written in the contract. Ask what the deposit is used for.
Do I need a permit to replace a roof in Indianapolis?
It depends on your address and the scope of work. See our roof permit guide or ask the city or your town building office.
Can a roofer deal with my insurance company for me?
A roofer can document damage and talk to the adjuster about the work, but you remain the policyholder and the insurer makes the coverage decision.
Related:
Roof trouble in Indianapolis? Get a written estimate.
Serving homeowners across Marion County and the suburbs. No contracts, no pressure.
R&R Roofing
Roofing contractor serving Indianapolis, Indiana and the surrounding suburbs.
(317) 555-0142
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