How to choose a roofing contractor in Maryland

A roof is a major investment, and the lowest number is rarely enough information to make a sound decision. Before authorizing work, use this Maryland-specific checklist to compare contractors on licensing, insurance, written scope, payment terms, permits, and accountability.

1. Verify the contractor’s MHIC license

Ask for the contractor’s MHIC license number, then confirm that the license is current and issued to the same person or business named on your estimate. Maryland advises homeowners not to rely only on a number printed on a truck, advertisement, or proposal.

Check Maryland MHIC information

2. Request proof of current insurance

Ask for a current general liability insurance certificate. Also ask about workers’ compensation coverage when workers will be on your property. Review the company name and coverage dates rather than accepting a verbal assurance.

3. Compare written scopes—not just totals

A useful roofing estimate should make it possible to compare the actual work. Look for the roof areas included, tear-off and disposal, underlayment, flashing, ventilation, shingle or roofing product, decking-replacement pricing, cleanup, warranty information, and an expected schedule.

4. Review the Maryland contract requirements

Maryland’s MHIC says a home-improvement contract must be written and legible, signed by each party, and describe the work and materials. It must also identify the contractor and include the MHIC license number. You should receive a signed copy before work starts.

Read Maryland’s home-improvement contract guidance

5. Understand the deposit and payment schedule

According to MHIC guidance, a contractor cannot accept more than one-third of the contract price as a deposit and may not take payment before the contract is signed. Make sure later payments are connected to clear project milestones, and keep invoices and payment records.

6. Confirm who handles permits

Roofing permit requirements can vary by county or municipality and by the scope of work. Ask the contractor whether a permit is required for your property, who will obtain it, and when you can see it. Confirm unusual or structural work directly with your local permitting office.

7. Check references and evaluate communication

Request recent local references for similar roof systems. Ask whether the project started and finished as expected, whether the final price matched the written scope, how cleanup was handled, and how the contractor responded when questions or problems arose.

Quick comparison checklist

• Current MHIC license verified independently
• Current insurance certificate reviewed
• Written scope lists materials and exclusions
• Decking, flashing, ventilation, and cleanup addressed
• Permit responsibility confirmed
• Deposit is no more than one-third
• Start, completion, payment, and warranty terms are clear
• At least two comparable estimates considered

This guide is general consumer information, not legal advice. Requirements can change and local permit rules vary. Verify current requirements with MHIC and the permitting office that serves your property.