08/05/2026
Handling claims for others as a Public Adjuster has given me much more insight than I ever would have gotten as just being a roofer. Claims handling aside, I've had to dig deep regarding non-licensed contractors working in the counties where a license is required. I've recently had to contact several of the state and local officials to get the facts straight.
I knew Chattanooga had non-licensed contractors actively working. That's the nature of the beast. However, I didn't expect to see the amount of unlicensed roofers in our area! Any project above $3,000 must have at least a Handyman license. Above $24,999 requires a full General Contractor's license.
Roofing is not something you want to play around with! A bad flashing job can be very costly. Not using proper components could cause immediate or future leaks. Shingles being laid out in the wrong pattern could even cause a need for full replacement.
What happens when you have a problem and you try to have the non-licensed contractor provide warranty repairs? Either that phone goes in the trash can, or that number is no longer in service. Non-licensed are not governed as licensed contractors. Also, by having a license, that means the state requirements for workers comp and general liability are there for your protection.