6 Questions to Ask Before Hiring a Roofer in Miami After a Hurricane

Storms hit Miami frequently, and the days after a hurricane are when homeowners need clear, reliable guidance the most. Use this checklist to vet roofers, avoid scams, and make sure repairs meet Miami-Dade standards.

1) Are you licensed, insured, and local to Miami-Dade?

Ask for the contractor license number and proof of insurance, including general liability and workers compensation. Local firms are more likely to know Miami-Dade County permit rules, wind mitigation requirements, and neighborhood permit offices. If a roofer avoids showing credentials, treat that as a major red flag.

2) Will you inspect, document, and provide a written estimate?

A proper post-storm inspection should include photos of damage, an itemized scope, and recommendations for temporary tarps if needed. The estimate should list materials, labor, tear-off vs overlay, permit fees, and disposal. Good documentation helps with insurance claims and prevents surprise costs.

3) Do you handle permits and code compliance?

Miami-Dade has strict building codes for wind resistance and attachments. Confirm the roofer pulls required permits, schedules inspections, and uses code-approved materials. Contractors who skip permits to save time or money expose you to fines and potential insurance denials.

4) How do you handle insurance claims and payments?

Ask whether the roofer will work directly with your insurer, provide supplemental estimates for hidden damage, and accept insurance proceeds. Beware of contractors who pressure you to sign over your check, or who demand large upfront cash payments without a clear contract.

5) What products and warranties do you offer?

Request details on shingles, underlayment, flashings, and fasteners, plus manufacturer and workmanship warranties. In Miami, salt air and sun affect lifespan, so ask about coatings, corrosion-resistant materials for metal fasteners, and any hurricane-rated options.

6) Can you provide recent local references and project photos?

Request before and after photos from Miami neighborhoods, and call or check online reviews. Reputable roofers should show recent jobs, customer names or neighborhoods, and verifiable references. Look for responsiveness to reviews and how the company handled warranty issues.

Next steps: get at least three written bids, compare the scope line by line, and confirm permit responsibility. If you want help finding vetted contractors in Miami or arranging an inspection, Action Roof Service Miami offers free post-storm roof assessments and can walk you through the permit and insurance process.