How to Pick a Roofing Contractor in NJ Without Getting Burned

The Non-Negotiables

1. Verify Their NJ License

NJ requires all home improvement contractors to register with the Division of Consumer Affairs. Look for a license starting with "13VH." Verify at njconsumeraffairs.gov. No license = walk away immediately.

2. Confirm Insurance

Ask for a Certificate of Insurance showing general liability AND workers' compensation. Call the insurer directly to verify it's current.

3. Written Contract

NJ law requires written contracts for work over $500, including: full name/address/license, detailed scope, total price and payment schedule, start/completion dates, warranty info, and your 3-day cancellation right.

Red Flags

• "We're in the area after the storm" — storm chasers with no local reputation
• Full payment upfront — standard is 10-33% deposit, balance on completion
• Cash-only — tax evasion signal
• Pressure to sign immediately — "price only good today" is a sales tactic
• No physical address — P.O. box only = proceed with extreme caution

Good Signs

• Proactively provides license and insurance certificates
• Consistent Google reviews over multiple years (not a sudden burst)
• Manufacturer-certified (GAF, Owens Corning, CertainTeed)
• Explains options without pushing only the most expensive one