Homeowner guide
Roofing Contract Checklist: What to Check Before You Sign
A roofing contract should leave no doubt about what will be done, with what materials, for what price and under what warranty. Use this checklist before you sign.
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.
Scope of work
- The address and the exact areas of the roof included.
- Whether the old roofing will be torn off, and how many layers will be removed.
- Underlayment, flashing, drip edge, ventilation and ridge details.
- How rotted or damaged decking is handled and priced.
- Cleanup, magnet sweeps for nails and disposal.
Our guide to reading a roofing estimate explains these line items.
Materials
The contract should name the shingle or metal product, the line and color, not just a brand. Ask for the manufacturer data sheet so you can check ratings. See shingle wind ratings explained before you compare.
Price and payment terms
- A total price and what it includes.
- A payment schedule tied to progress, and how much is due before work begins.
- How change orders are priced and approved in writing.
- What happens if hidden damage is found.
Be cautious about large cash deposits or any request for full payment before the work is done.
License, insurance, permits and warranty
Ask for proof of insurance, and ask who will pull any required permit. Our guides on roofer licensing in Indiana and roof permits in Indianapolis explain what to verify.
Get the workmanship warranty and the manufacturer warranty in writing and understand what each one covers. Read roof warranties explained.
Red flags
- Pressure to sign today or a price that is only good for a few hours.
- No written scope, or a scope that is vague about materials.
- A request to sign over your insurance claim or to let the contractor deal directly with the insurer.
- No physical business address or proof of insurance.
Roofing contract questions
What should a roofing contract include?
The scope of work, named materials, total price, payment schedule, start and completion expectations, change-order process, permits, insurance and warranty terms.
How much deposit is reasonable?
It varies, but payments should be tied to progress, and you should be cautious about large deposits or full payment up front.
Should I sign an assignment of benefits with a roofer?
Be careful. Signing over rights to your insurance claim can limit your control. Read the document and ask your insurer for guidance first.
What is a change order?
A written agreement to change the scope or price, for example when hidden deck damage is found. It should be signed before extra work starts.
Do I need a permit for a roof replacement?
It can depend on the location and the type of work. Check with your local building department.
Related:
Roof trouble in Indianapolis? Get a written estimate.
Serving homeowners across Marion County and the suburbs since 2019. No contracts, no pressure.
R&R Roofing
Roofing contractor serving Indianapolis, Indiana and the surrounding suburbs.
(317) 555-0142
© 2026 R&R Roofing. All rights reserved.
