Roof replacement & repair / Tools
Roofer quote compare
Put up to three written roofing quotes side by side, line by line: squares, tear-off, underlayment, ice barrier, drip edge, ventilation, flashing, permit, warranties, deposit, start date, license and insurance. Red flags and questions to ask come from official consumer-protection pages, each named.
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How this works
- Nothing you enter is sent anywhere; your quotes are saved only in this browser.
- The rows follow the scope a roofing quote should spell out, so you can check that every quote covers the same job. Price per square divides each total by the squares on that quote (a square is 100 sq ft of roof).
- Every red flag and question traces to an official page: the FTC, FEMA, NAIC, state attorneys general, state insurance departments or a state statute. Each flag names its source, and all of them are listed under Sources. They were re-opened on 2026-09-15.
- Deposit flags use published limits and warnings: Maryland's one-third cap in statute, California's limit of $1,000 or 10% (whichever is less), and the Colorado Attorney General's warning about more than 10% up front. Your state's rule may differ.
- Right to cancel: the FTC's Cooling-Off Rule doesn't cover a sale made because you asked the seller to your home to repair or maintain something, so this tool never promises a federal 3-day right. Your state may give you a right to cancel. The state rules shown for cancelling after an insurer denies a roof claim were verified for Minnesota, Colorado, Oklahoma, Georgia and Nebraska.
- A red flag is a reason to ask questions, not proof of wrongdoing.
Sources
- FTC: How to avoid a home improvement scam
- FTC: How to avoid scams after weather emergencies and natural disasters
- FTC consumer alert: Four ways to avoid scams after a weather-related disaster
- FTC: Buyer's remorse: the FTC's Cooling-Off Rule may help
- FEMA: Beware of post-disaster contractor fraud (2025-09-09)
- NAIC: How can I avoid getting scammed by a contractor? (2024-09-30)
- Texas Department of Insurance: Fraud resources
- Texas Department of Insurance: Help after a storm
- Texas Attorney General: How to avoid home improvement scams
- Texas Office of Public Insurance Counsel: Contractor fraud
- Oklahoma Construction Industries Board: Home repair tips
- Colorado Attorney General, Stop Fraud Colorado: Contractor fraud
- Missouri Attorney General: Natural disasters
- Georgia Consumer Protection Division: Storms and fraud
- California Department of Insurance: Don't get scammed after a disaster
- Maryland Code, Business Regulation §8-617 (deposit cap)
- Texas Business and Commerce Code chapter 27 (deductibles)
- Florida Statutes §489.147 (roofing inducements, including deductible waivers)
- Colorado Revised Statutes §6-22-105, deductible waivers (unofficial copy; the official site blocked access)
- Colorado Revised Statutes §6-22-104, 72-hour rescission (unofficial copy; the official site blocked access)
- Oklahoma Roofing Contractor Registration Act, 59 O.S. §1151.21 and §1151.30 (Construction Industries Board PDF)
- Nebraska Department of Insurance: Insured Homeowners Protection Act
- Nebraska Department of Insurance: Insured Homeowners Protection Act brochure (cancellation rule, PDF)
- Minnesota Statutes §325E.66 (deductibles, claim adjusting)
- Minnesota Statutes §326B.811 (right to cancel after a claim denial)
- Georgia Code §10-1-393.12 (roofing contracts; unofficial FindLaw copy)
- Louisiana Revised Statutes 51:451 (deductibles)
- City of East Point, GA: 2018 IRC Residential Re-Roof guide (drip edge)
- Expert review
- Not yet reviewed
- Last verified
- September 15, 2026
Information, not legal advice. A red flag is a reason to ask questions, not proof of wrongdoing. State rules change; check your state's current law.
Common questions
Do I have three days to cancel a roofing contract?
Maybe. The FTC's Cooling-Off Rule lets many buyers cancel a sale made at home until midnight of the third business day, but it doesn't cover a sale “made because you asked the seller to visit your home to repair or perform maintenance on your personal property.” Your state may give you a right to cancel. After an insurer denies a roof claim, Minnesota, Colorado and Oklahoma allow 72 hours to cancel, Georgia allows until midnight of the fifth business day, and Nebraska allows until midnight of the third business day after signing or after the insurer's written notice, whichever is later.
How big a deposit is too big?
It depends on your state. Maryland law caps a home improvement deposit at one-third of the price. California limits the down payment to $1,000 or 10% of the contract price, whichever is less. Colorado's Attorney General flags asking for more than 10% up front, and the Texas Department of Insurance says never to pay in full up front. The tool flags deposits over 10%, over one-third, and the full price.
Can a roofer pay or waive my deductible?
In Texas, Florida, Colorado, Oklahoma, Nebraska, Minnesota and Louisiana, state law bars contractors from offering to pay, waive or rebate it; the red flag names each law. This tool doesn't list the rule for other states, so ask your state insurance department.
Why compare the price per square?
A square is 100 sq ft of roof. Dividing each quote's price by its squares shows whether a difference comes from price or from size. If the squares differ a lot between quotes for the same roof, ask each roofer how they measured.
Is a red flag proof of a scam?
No. It's a reason to ask questions and to get more than one written estimate; FEMA's advice is “Get two or three written estimates.”
See every option side by side
The Roof Check uses your answers from any tool and shows which options fit you, least commitment first.