Florida roofing scams are a real and common problem
After every major Florida hurricane, unlicensed contractors flood the state from other states — known as "storm chasers." They offer quick starts, low prices, and disappear after taking deposits or doing substandard work that doesn't meet Florida Building Code. Florida homeowners have lost millions to roofing scams.
An unlicensed roof replacement in Florida can void your homeowner's insurance, result in failed inspections, expose you to significant legal liability, and leave you with a roof that doesn't meet hurricane code. Always verify licensing before signing any contract.
How to verify a Florida roofing license
Florida roofing contractors must hold a valid license from the Florida Department of Business and Professional Regulation (DBPR). Verifying is free and takes 2 minutes:
- Go to myfloridalicense.com
- Click "Verify a License"
- Search by contractor name or license number
- Confirm the license is active and in good standing
Florida roofing contractors hold either a Certified Roofing Contractor license (statewide) or a Registered Roofing Contractor license (county-specific). Both are legitimate — but verify the registered contractor is licensed in your county.
Red flags to watch for
- Door-to-door solicitation after a storm — legitimate established contractors rarely solicit door-to-door
- Pressure to sign immediately — any contractor pushing you to sign the same day is a red flag
- Large upfront deposit required — Florida law limits contractor deposits. Be very cautious of contractors requiring more than 10% upfront
- No physical business address — legitimate contractors have an established Florida business presence
- Out-of-state plates on vehicles — not automatically disqualifying but worth noting post-storm
- Unusually low bid — significantly below-market quotes often indicate unlicensed work, poor materials, or intent to cut corners
- Can't provide proof of insurance — contractors must carry workers' compensation and general liability insurance
What to ask before signing
- What is your Florida license number? (Verify it on myfloridalicense.com)
- Can you provide proof of workers' comp and liability insurance?
- Will you pull the permit? (Required for all Florida roof replacements)
- What specific materials will you use? (Get the manufacturer and product name)
- Will the installation meet Florida Building Code wind requirements?
- What warranty do you provide on labor?
- What is the payment schedule? (Should not require large upfront payment)
Every Florida roof replacement requires a permit. A contractor who suggests skipping the permit to "save money" is proposing illegal work that will create serious problems when you sell the home, file an insurance claim, or face inspection. Always require that your contractor pull the permit.
Getting multiple quotes
Always get at least 3 quotes from licensed Florida contractors. Roofing prices vary by 20-40% for identical work. When comparing quotes ensure you're comparing identical scope — same materials, same underlayment, same permit included.