- How do I verify a roofer is licensed in Alabama?
- Residential roofing is licensed by the Alabama Home Builders Licensure Board. Ask the contractor for the license number and the legal entity it is held under, then search it yourself on the Board's public license lookup, or call the state's verification line at 1-800-304-0853. Read three fields: that the record exists, that the status is active, and that the expiration date is in the future. Alabama's own post-hurricane guidance states that a contractor performing residential roof work directly for a homeowner where the cost exceeds $2,500 must be licensed.
- Is a free roof inspection a scam?
- Not by itself — free inspections are ordinary in this trade and most of them are exactly what they say. What matters is what happens after the ladder comes down. An inspection that ends with a written report and no pressure is normal. An inspection that ends with a contract to sign today, a claim someone else will file for you, or a photograph of damage you are not allowed to see up close is the part worth pausing on. Run the license check before the inspection, not after.
- Someone knocked on my door after the storm. Should I hire them?
- Maybe, but not today. Unsolicited contact is not proof of anything, and honest crews do canvass storm-hit neighborhoods. The Alabama Attorney General's Office, the Department of Insurance, and the Home Builders Licensure Board issued joint guidance after Hurricane Sally advising homeowners to check references, especially where the builder makes unsolicited contact or is from out of town. Take the name and license number, close the door, verify, then decide.
- What does signing an assignment of benefits actually do?
- In plain terms, it transfers your rights under your insurance policy for that claim to somebody else, so the insurer deals with them instead of you and the claim proceeds are paid to them. That is a real legal instrument with real consequences, and it is not the same document as a scope of work even when the two are handed over together. Read every page before you sign anything, and if you are unsure what a document does, ask your insurer or a lawyer — not the person asking you to sign it. Liberty does not take assignments of benefits and will never ask you to sign one.
- Can a roofer negotiate my insurance claim for me in Alabama?
- No. The Alabama Department of Insurance states it directly: under Alabama law, a residential roofing contractor shall not represent or offer to negotiate on the homeowner's behalf with the insurance company. A roofer can document what they see, be on the roof when your adjuster is, and quote the repair. Anyone offering to run your claim for you is describing something Alabama law does not permit.
- Can I cancel a roofing contract I already signed?
- Alabama gives homeowners a specific cancellation right on roofing contracts that are to be paid from insurance proceeds. The Department of Insurance summarizes it this way: contractors must provide a NOTICE OF CANCELLATION disclaimer in a contract for roof repairs, and homeowners have five days to give notice to cancel. The statute is Ala. Code § 8-36-2. This is a general description of a law and not legal advice — read the statute and, if money is at stake, talk to a lawyer.
- What if a contractor offers to cover my deductible?
- Decline it and keep looking. Your deductible is the part of the loss your policy says is yours. An arrangement designed to make it disappear changes what your insurer is being told about the transaction, and the homeowner is standing right next to that problem, not outside it. Liberty does not waive, absorb, or discount deductibles.
- How many roofing bids should I get?
- Two or three, and compare them line by line rather than by the total. Roofing bids diverge because the scopes diverge — decking replacement allowance, underlayment type, edge metal, ventilation, flashing, disposal. When one number is materially lower, the reason is almost always a line that is smaller or missing, not a contractor who found a cheaper way to do the same work.