Roofing contract template — retail and insurance work

Roofing contracts are the most regulated in residential construction, and insurance work adds rules of its own. Here is what the contract has to settle, and where the law is involved.

Read this before you use it

This is a checklist of what a roofing contract has to settle — not a ready-to-sign legal document, and not legal advice. Most states regulate home improvement contracts: required disclosures, cancellation windows, deposit limits and licence display all vary, and some trades carry extra rules. Adapt this, then have a lawyer in your state review it before you put it in front of a customer.

roofing contract checklist

Download as a spreadsheet to work through, or print it to sit alongside your own agreement.

Checklist (Excel / Sheets) Printable PDF

What a roofing contract has to settle

Roofing contracts carry more statutory weight than any other residential trade. Many states regulate insurance-claim roofing specifically: the homeowner's deductible cannot be waived or absorbed, contingency agreements often carry their own rescission window, and some states bar a contractor from negotiating the claim on the homeowner's behalf without a licence. The commercial terms matter too — decking replacement is the standard overage and belongs in the contract as a per-sheet rate, not a conversation held on a roof.

Clauses it needs

Parties, licence number, and whether this is retail or insurance-claim work
For claim work: the claim number, and that the deductible is the homeowner's
Rescission window, where the state or the contingency agreement provides one
Scope by squares, layers removed, material, profile and colour
Decking replacement as a per-sheet rate with a photographic requirement
Supplements: how they are approved by the carrier before work proceeds
Payment tied to ACV release, completion, and depreciation recovery
Workmanship warranty term, separate from the manufacturer's material warranty
Weather delay terms, and protection of the structure during tear-off
Permit, inspection, and debris removal including nail sweep

What roofing contracts actually get argued over

Deductible absorbed as a 'discount' — illegal in most states and it voids the claim
Decking sheets billed with no photographs from tear-off
Supplement work performed before the carrier approved it, then declined
Contingency agreement signed at the door with no rescission period explained

The estimate this contract is built on

A contract can only be as clear as the scope it references. BidWand drafts the itemised estimate — labour, materials, exclusions and assumptions — that the scope and exclusions clauses point at.

Free roofing estimate template →

Draft the roofing estimate this contract references

This generates the estimate, not the contract — describe the job and you get the itemised scope to attach. No email needed to see the first one.

What you get — see the format first

A complete estimate you can send to the customer, built from the rate you enter:

Description	Qty	Unit	Unit price	Total
Labor — itemized by task	hrs	hour	your rate	—
Materials — with your markup applied	qty	ea / sq ft	cost + markup	—
Permits, disposal, access	—	—	—	—

Plus a plain-English scope summary, assumptions (what had to be guessed), exclusions (what you are not doing — the section that prevents most change-order arguments), and a validity period. Printable, or send the link.

Every figure comes from the rate and markup you supply. We never fill in a market price for you.

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