Maryland Roofing Company Licensing Requirements: What Homeowners Need to Verify

Don’t Get Scammed: Essential Guide to Verifying Your Maryland Roofing Contractor’s License

When your roof needs repair or replacement, choosing the right contractor can mean the difference between a job well done and a costly nightmare. In Maryland, homeowners have legal protections in place, but only if they hire properly licensed contractors. Understanding Maryland’s roofing licensing requirements isn’t just smart—it’s essential for protecting your home and your wallet.

Maryland’s Roofing License Requirements: What You Need to Know

Maryland doesn’t offer a specific roofing license, but roofers are required to hold a Home Improvement License issued by the Maryland Home Improvement Commission (MHIC). This comprehensive licensing system ensures that contractors working on your home meet specific standards for experience, financial stability, and professional competency.

To obtain this license, contractors must demonstrate two years of job experience and pass the licensing exam through PSI Exams. Additionally, applicants must register their business name with the Maryland Department of Assessment and Taxation and provide proof of at least $50,000 in liability insurance.

Updated Insurance Requirements for 2024

Maryland recently strengthened its consumer protections. Effective June 1, 2024, all Maryland home improvement contractors must maintain general liability insurance in the amount of at least $500,000. This significant increase from the previous $50,000 requirement provides homeowners with enhanced financial protection against potential damages or accidents during roofing projects.

How to Verify Your Contractor’s License

Before hiring any roofing contractor, verification is crucial. To verify a license, call MHIC at 410.230.6309 or check online at Public Search. The online search tool allows you to verify licensing by several methods:

  • Contractor’s personal name (last name and optionally city)
  • Trade name and location
  • License registration number
  • Salesperson’s personal name

In Maryland, it is illegal to act as a home improvement contractor, subcontractor or salesperson without a valid license. Don’t take a contractor’s word for it—always verify their credentials independently.

The Guaranty Fund: Your Safety Net

One of Maryland’s most valuable consumer protections is the MHIC Guaranty Fund. The MHIC offers a Guaranty Fund to compensate homeowners who suffer financial losses due to poor workmanship or contractor misconduct. Only work performed by a licensed contractor is eligible for this protection.

Home improvement licenses require renewal every two years, and license holders must pay the Guaranty Fund assessment fee of $150 to remain in good standing. The fee goes toward a fund to pay homeowners in the event a home improvement contractor performs substandard work.

What to Look for Beyond Licensing

While licensing is fundamental, savvy homeowners should verify additional qualifications:

  • Insurance Coverage: General Liability Insurance covers any damage to your property that might occur during the roofing project, while Workers’ Compensation Insurance covers any injuries workers sustained while on your property
  • Experience and References: Look for contractors with a proven track record in your area
  • Professional Certifications: Many reputable contractors hold additional certifications from manufacturers like GAF

Bay Area Exteriors: A Licensed Professional in Talbot County

For homeowners in Maryland’s Eastern Shore, finding a qualified roofing company maryland residents can trust is essential. Bay Area Exteriors is a prestigious Master Elite GAF Roofing Installer, ranking among the top 2% of roofing contractors with a commitment to quality and professionalism. Their certification ensures they meet stringent requirements, including proper licensing, insurance, a proven reputation, and ongoing professional training.

When you choose Bay Area Exteriors as your contractor, you will find that Honesty, Integrity, Communication and Quality of workmanship is at the forefront of everything they do. They pride themselves in these values and it shows in their interactions with every customer. With over 30 years of experience servicing homeowners, they understand the importance of proper licensing and consumer protection.

Red Flags to Avoid

Be wary of contractors who:

  • Cannot provide a valid MHIC license number
  • Demand full payment upfront
  • Go door-to-door after storms claiming to have “leftover materials”
  • Cannot provide proof of insurance
  • Pressure you to sign immediately

It is illegal to hire an unlicensed contractor in Maryland. All contractors in Maryland are required to be licensed and insured.

Take Action: Protect Your Investment

Your roof is one of your home’s most critical components, and choosing the right contractor is a decision that will impact your family’s safety and comfort for years to come. Always verify licensing, check insurance coverage, and don’t hesitate to ask questions. Maryland’s Home Improvement Law requires that all contracts for home improvement work be in writing and signed by both the consumer and the business before work begins or any money is paid.

Remember, a legitimate contractor will welcome your due diligence and be proud to show their credentials. When you work with properly licensed professionals who carry adequate insurance and participate in Maryland’s consumer protection programs, you’re not just getting a new roof—you’re investing in peace of mind.