Indiana roofing contracts: What state law requires
Last updated · Codes, permits & licensing
Short answer: Indiana has no statewide roofing license, but its Home Improvement Contracts Act requires a written contract for residential roof work over $150 and lets insured homeowners cancel an insurance-funded contract within three business days after the insurer's coverage decision. Some cities, including Indianapolis, require contractor licenses.[1]
Does Indiana require roofers to be licensed?
Indiana does not require a statewide roofing license. Licensing is handled locally, and some cities and counties require contractors to hold a license or registration. Indianapolis, for example, issues contractor licenses through the city.[3] Ask the roofer which local licenses they hold and confirm with your city or county. Our contractor licensing page has more on state rules.
What does Indiana's Home Improvement Contracts Act cover?
Indiana's Home Improvement Contracts Act, Indiana Code 24-5-11, covers real property improvement contracts on homes of one to four units where the price exceeds $150.[1] Roof replacement and repair fall under it, and the act defines a roof system to include coverings, sheathing, weatherproofing, and insulation. The act requires the contractor to give you a complete written contract before you sign.
What must an Indiana roofing contract include?
An Indiana roofing contract must include specific items under the act, such as: - Your name and address and the address of the work - The contractor's name, address, and contact information - A description of the work and the specifications - Approximate start and completion dates - Any contingencies, such as insurance approval - The contract price - Signatures of both parties If any of these are missing, ask for a corrected contract.
Can you cancel an insurance-funded roofing contract in Indiana?
You can cancel an insurance-funded roofing contract in Indiana under the act. If you are an insured consumer and the contract will be paid from insurance proceeds, you may cancel by midnight of the third business day after the later of signing or your insurer's written decision that all or part of the claim is not covered.[1] Notice must be in writing, and the contractor must return payments, except for emergency work performed.
What does the Indiana Attorney General say about storm chasers?
The Indiana Attorney General's storm chaser brochure warns homeowners about out-of-town contractors who arrive after storms.[2] Its tips include checking local references, getting written estimates, avoiding large up-front payments, and being wary of high-pressure sales. It also encourages homeowners to call their insurer before signing anything tied to a claim.
How do Indiana winters affect roofing choices?
Indiana winters affect roofing choices because freeze-thaw cycles and snow make ice dams a risk in many homes. Building codes in cold areas generally require an ice barrier membrane at the eaves. Good attic insulation and ventilation reduce ice dams. Ask each bidder how far up the roof they will run ice barrier and how they will vent the attic. Our ice dam guide covers prevention.
How should Indiana homeowners handle hail claims?
Indiana homeowners should handle hail claims by reporting damage promptly to their insurer, taking photos, and getting an inspection from a contractor they chose. Keep the adjuster's report and any estimate. Your insurer decides coverage based on your policy. Do not sign a contract that commits you to a roofer before you understand what the insurer will pay.
How do you compare roofing bids in Indiana?
To compare roofing bids in Indiana, get at least two or three written estimates with the same scope: tear-off, decking repair pricing, underlayment, ice barrier, flashing, ventilation, and product line. The act's contract requirements give you a good checklist. Ask each roofer to price decking replacement per sheet so a low bid does not grow after tear-off. Our guide on comparing roofing estimates walks through each line.
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Frequently asked questions
Is there a roofing license in Indiana?
Not statewide. Some cities and counties, such as Indianapolis, require contractor licenses.
Does Indiana require a written roofing contract?
Yes, for residential improvement contracts over $150 under Indiana Code 24-5-11.
How long do I have to cancel an insurance roofing contract in Indiana?
Until midnight of the third business day after the later of signing or your insurer's written coverage decision.
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Sources
- Indiana Code 24-5-11: Home Improvement Contracts (PDF). iga.in.gov/ic/2026/Title_24/Article_5/Chapter_11.pdf
- Indiana Attorney General: Storm Chasers Brochure (PDF). secure.in.gov/attorneygeneral/consumer-protection-division/files/Storm-Chasers-w
- City of Indianapolis: Contractor Licenses. www.indy.gov/activity/contractor-licenses
Sources checked November 4, 2026. Estimates are not quotes. Roofing, insurance, and legal details vary. Confirm with your contractor, insurer, or attorney.