Hiring a roofer isn’t just about finding the best price or fastest availability—it’s about protecting your home, your finances, and your peace of mind. So, do roofers in Lancaster need to be licensed and insured? The short answer is yes, and working with a properly licensed and insured contractor can make all the difference in a successful roofing project.
In this blog, we’ll explain Pennsylvania’s roofing requirements, what insurance a professional roofer should carry, and how homeowners can verify a contractor’s credentials before signing a contract.
Licensing Requirements for Roofers in Lancaster, PA
Does Pennsylvania Require Roofers to Be Licensed?
Unlike some states, Pennsylvania does not have a statewide roofing license requirement. However, that doesn’t mean roofers in Lancaster can operate without any oversight. Most reputable roofing contractors voluntarily obtain credentials, register with the state, and meet certain insurance and business operation standards.
In Pennsylvania, roofing companies that perform home improvement services, including roof repairs and installations, must register with the Pennsylvania Office of Attorney General under the Home Improvement Consumer Protection Act (HICPA).
You can search for a contractor’s registration using the state’s Home Improvement Contractor Database provided by the Office of the Attorney General.
What Is HICPA Registration?
The Home Improvement Consumer Protection Act requires contractors who earn more than $5,000 annually through home improvements (like roofing) to register with the state. This ensures:
- Contractors provide background and business information
- Customers receive written contracts for jobs over $500
- Protections exist for homeowners against scams or incomplete work
Even though it’s not called a “license,” this registration is essential and legally required for roofers working on residential properties in Lancaster.
Why Roofing Insurance Matters
Even more important than licensing is insurance. Hiring a roofer in Lancaster without insurance could leave you financially responsible for accidents, injuries, or property damage.
1. General Liability Insurance
This covers property damage caused by the roofing company during the project. If your siding, windows, or landscaping are damaged during roof installation, the contractor’s liability insurance should pay for repairs.
2. Workers’ Compensation Insurance
Roofing is a high-risk job. If a worker is injured on your property and the roofer doesn’t have workers’ comp coverage, you could be held liable. Pennsylvania requires most employers to carry this insurance to cover on-the-job injuries.
You can verify a contractor’s insurance by asking for a Certificate of Insurance directly from their provider.
3. Bonded Contractors
Some roofing companies are also bonded. This means a bonding company has set aside funds in case the roofer fails to finish the job, walks away, or doesn’t meet contract terms. While not required, it adds another layer of protection.
For more on contractor insurance and bonding, visit the U.S. Small Business Administration website.
Risks of Hiring Unlicensed or Uninsured Roofers
Trying to save money by hiring an unlicensed or uninsured roofer can lead to major issues. Here are the most common risks:
1. No Legal Recourse
Without a registered contractor, it’s harder to enforce warranties or pursue legal action if something goes wrong.
2. Insurance May Deny Claims
If a fire, leak, or structural issue is caused by poor roofing work, your homeowners insurance might not cover it if the contractor was unlicensed or uninsured.
3. Safety Hazards
Untrained or improperly supervised workers increase the risk of poor installation, which can lead to roof failure, water damage, or mold.
4. Fines and Legal Issues
Hiring an unregistered contractor could even expose you to legal fines, especially if the job violates state consumer protection laws.
How to Verify a Roofer’s License and Insurance in Lancaster
Check for HICPA Registration
Use the Pennsylvania Attorney General’s HICPA contractor search to verify a roofer’s registration number and ensure they’re compliant.
Ask for Proof of Insurance
Reputable roofers will gladly provide:
- General liability coverage
- Workers’ compensation certificates
- Any applicable bonding details
The certificate should list coverage limits and be up-to-date.
Request References and Reviews
Look for recent reviews online and ask the roofer for contact info from past clients in Lancaster. Consistent positive feedback is a strong sign of credibility.
Why Licensing and Insurance Should Matter to Homeowners
Your roof is a long-term investment. Whether you’re replacing storm-damaged shingles or installing a new metal roof, you want to be sure that the work is safe, up to code, and covered.
Hiring a licensed and insured roofer in Lancaster ensures:
- Compliance with Pennsylvania laws
- Protection from financial liability
- Peace of mind knowing professionals are handling the job
Roofing isn’t just about laying shingles—it involves ventilation, flashing, drainage, insulation, and structural elements. Choosing a contractor who meets legal requirements reduces your risk and ensures quality.
The JMK Roofing Difference
At JMK Roofing, we are fully registered under HICPA, carry comprehensive liability insurance, and maintain workers’ compensation for all employees.
Our customers choose us because:
- We deliver timely, high-quality roof repairs and replacements
- We offer 10-year workmanship warranties
- We provide free, detailed estimates
- We stand behind every project with honesty and transparency
We’ve built our reputation in Lancaster by following not just state laws, but the highest standards in roofing craftsmanship and customer service.
What to Look for in a Reputable Lancaster Roofing Company
- HICPA Registration Number
- Proof of Insurance (including workers’ comp)
- Written Contract with Scope of Work
- Warranty Terms for Labor and Materials
- Clear Communication and Responsive Service
- References from Local Projects
Choosing the right roofer isn’t about finding the cheapest quote—it’s about getting the best value and protection.
Protect Your Home—Work With Licensed and Insured Roofers
Roof repairs and replacements are significant investments. Choosing a licensed and insured roofer in Lancaster is the first step in making sure your home is protected from start to finish.
Don’t risk working with contractors who skip the rules or cut corners. At JMK Roofing, we do things the right way—with full transparency, proper credentials, and quality that lasts.
Want to know how much your roofing project will cost? Get a free estimate now and work with a team you can trust.
