Roofing

Roof repairs without the runaround

A small roof leak can quietly damage insulation, drywall and framing. Catching it early, hiring a licensed Illinois roofer and comparing written quotes are the best ways to keep the cost in check.

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Get a free roofing quote

Leak, missing shingles or storm damage? Call a local licensed roofer to ask about an inspection.

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5 ways to save on roof repairs

Look from the ground, twice a year

In spring and fall, and after big storms, check for missing or curled shingles, damaged flashing, and granules piling up in gutters. Use binoculars instead of climbing up.

Check the attic after heavy rain

Look for stains, damp insulation or daylight through the roof boards. Finding a leak early can keep a small repair from becoming a ceiling and insulation repair.

Keep gutters clear

Clogged gutters can back water up under roof edges and toward your foundation. Cleaning them is cheap prevention.

Hire an IDFPR-licensed roofer

Illinois licenses roofing contractors through IDFPR. Licensed roofers must put their license number on contracts and bids. Look it up before you sign.

Source: IDFPR, IDFPR lookup

Beware deductible deals

Under Illinois law, a roofer can’t advertise or promise to pay or rebate any part of your insurance deductible to get your business.

Source: IDFPR

After a storm: slow down

Hail and windstorms bring out storm chasers: crews from out of town who knock on doors, promise quick work, and may be gone when problems show up. IDFPR and the FTC suggest you:

Ask whether the company is licensed by IDFPR, write down the license number and verify it. Illinois roofing contractor license numbers start with 104.
Ask for photo ID and proof of insurance, including workers’ compensation.
Never sign a contract with blank spaces, and keep a copy signed by you and the contractor.
Pay by check or money order made out to the company, not a person, and never pay in full before the work is done.
Don’t sign your insurance check over to a contractor. Call your insurer yourself to start a claim.

If you have active leaking, a reputable roofer can usually tarp the area as a temporary fix while you get estimates and wait for your insurance adjuster.

Repair or replace?

Damage limited to one area, like a few lost shingles or a flashing leak around a chimney, is often repairable. Widespread curling, missing granules across the roof, or repeated leaks in different spots are reasons to price a replacement. Ask each roofer to show you photos of what they found, and get the repair and the replacement price in writing so you can compare.

Comparing roofing bids

Make sure each bid covers the same scope: tear-off or overlay, underlayment, flashing, vents, gutters, disposal and permit.
Ask what happens if they find rotted roof boards once the old shingles come off, and how that extra work is priced.
Compare the manufacturer’s warranty on materials and the contractor’s own warranty on labor, and get both in writing.
Ask for a list of any subcontractors and suppliers, and get lien waivers from them before your final payment. Subcontractors must be licensed roofers too.

In Illinois, roofing work over $1,000 requires a written contract that states the total cost, and the roofer must give you the “Home Repair: Know Your Consumer Rights” pamphlet.

Help for Chicago homeowners

Chicago’s Home Repair Program provides roof and porch repairs for income-eligible homeowners. The city says registration isn’t opening in 2026 because of demand; its page lists other organizations that may help.

Want a roofer to take a look?

Call a local licensed roofer for a free inspection and written quote.

Call for a free quote

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Common questions

How do I check a roofer’s license in Illinois?

Use the IDFPR license lookup and choose Roofing Contractor. The license number should also appear on the contract and bid.

Can a roofer pay my insurance deductible?

No. Illinois law bars home repair contractors, including roofers, from advertising or promising to pay or rebate any part of your insurance deductible as an incentive.

Should I let a door-to-door roofer inspect my roof?

Be cautious. The FTC lists door-to-door solicitations and pressure to sign quickly as signs of a scam. It’s safer to call licensed roofers you’ve looked up yourself.

Does insurance pay for a new roof?

It depends on your policy and the cause of damage. Storm damage is often treated differently from wear and age. Call your insurer, read your policy, and don’t rely on a contractor to tell you what’s covered.

Does MegaSavings get paid if I call?

MegaSavings may be paid when you call a provider through this page, at no cost to you. The payment doesn’t change the price you’re quoted or the tips on this page.

Sources

More guides: Home Repair Savings · Home & Renters Insurance

Related: Ice Dams

Related: Hail and Wind Damage Claims

Last reviewed: October 28, 2026