5 Questions to Ask Before Signing Any Haines City Roofing Contract
What Is Your Florida CCC License Number?
Florida roofing contractor licenses begin with CCC. Ask for the number and verify it at myfloridalicense.com through the Department of Business and Professional Regulation. A contractor who won't give you their license number immediately is a red flag. How to verify a Florida CCC roofing license →
Will You Pull the Permit With the Haines City Building Division?
An out-of-state storm chaser cannot legally pull a permit with the Haines City Building Division at 620 E. Main Street — only contractors registered there can. If a contractor won't pull a permit, walk away. No permit means no building inspection. No inspection means no proof the work was done to code — and that voids your insurance coverage. Why permit compliance is non-negotiable in Haines City →
Do You Carry Workers' Compensation Insurance?
If a worker is injured on your property and the contractor doesn't carry workers' comp, you can be held liable in Florida. Ask for a current certificate of insurance naming you as the certificate holder before any work starts. Don't accept verbal assurances — ask for the document.
What Does Your Workmanship Warranty Cover — and for How Long?
A manufacturer warranty (GAF, Owens Corning, Tamko) covers materials. A workmanship warranty covers how materials were installed. These are separate documents. A 5-year workmanship warranty on a 20-year roof means if the installation fails in year 6, you're responsible. Ask for both warranties in writing before signing. Understanding roofing warranties in Florida →
What Is Your Per-Sheet Price for Deck Board Replacement?
Soft or rotted deck boards are invisible until the tear-off reveals them. A legitimate contractor gives you the per-sheet replacement price ($50–$100 per sheet in Haines City) before work begins — not after, when you have no leverage. If a contractor refuses to commit to this upfront, expect surprise costs after the old roof is off. What deck replacement costs in Haines City →
Red Flags — What Storm-Chaser Contractors Do
- They knock on your door unsolicited after a storm event
- They promise the job will be "free" or covered entirely by insurance
- They ask you to sign an assignment of benefits (AOB) — this transfers your insurance rights to them
- They can't provide a Florida CCC license number on the spot
- They offer to waive your insurance deductible (this is insurance fraud in Florida)
- They can't answer which permit office they use in Haines City
- They want full payment upfront before work begins
For insurance claim issues specifically: Roofing contractors and insurance claims — what to watch for →
What happened after the June 2025 storm: Storm chasers who arrived after the June 2025 Polk County hailstorm →
See what Haines City homeowners say about working with a legitimate local contractor: Customer reviews →