Hiring a roofing contractor is a big decision, especially when your home’s safety and value are on the line. One of the most common questions we hear is, “Do roofers in Brockton need to be licensed and insured?” The short answer is yes—Massachusetts requires roofing contractors to be properly registered, and being insured is not just recommended, it’s essential.
If you’re planning a roof repair or full replacement in Brockton, understanding the licensing and insurance requirements will help you make an informed, legally sound, and financially safe decision. At MJY Construction, we believe that transparency builds trust, and this guide will walk you through exactly what to look for in a qualified roofing contractor.
Why Licensing and Insurance Matter in Roofing
Roofing is one of the most critical and dangerous aspects of home construction. Without the proper protections in place, both homeowners and contractors face serious risks. Choosing a licensed and insured roofer isn’t just about checking a box—it’s about:
- Ensuring work meets state codes and industry standards
- Protecting your property from accidental damage
- Avoiding liability for injuries or accidents
- Gaining access to manufacturer warranties that require certified installers
Let’s explore these requirements in more detail as they apply to roofers in Brockton.
Do Roofers in Brockton Need a License?
State Requirements for Roofing Contractors
In Massachusetts, roofing contractors performing work on residential properties must be registered as a Home Improvement Contractor (HIC) with the Office of Consumer Affairs and Business Regulation (OCABR).
Here’s what that includes:
- A valid HIC registration number
- Proof of insurance (liability and workers’ comp)
- Compliance with Massachusetts state building code
- Eligibility to offer written contracts and payment terms
Unlicensed roofers are not legally permitted to perform roofing services on one- to four-family owner-occupied homes in Massachusetts. This includes jobs in Brockton.
For more details, visit the Massachusetts Office of Consumer Affairs.
Construction Supervisor License (CSL)
In addition to HIC registration, roofers managing structural work (such as roof framing, dormer construction, or major structural alterations) must also hold a Construction Supervisor License (CSL).
A CSL is issued by the Massachusetts Board of Building Regulations and Standards and ensures that the contractor is trained in state building codes and safe construction practices.
What Insurance Should a Roofer in Brockton Carry?
Insurance is just as important as licensing when hiring a roofing contractor. Without the right coverage, you could be held financially responsible for accidents or damage that occur during your project.
1. General Liability Insurance
Covers property damage caused by the roofer. If a contractor accidentally breaks a skylight, dents your gutters, or damages your siding, general liability insurance will pay for repairs.
2. Workers’ Compensation Insurance
Covers medical bills and lost wages if a worker is injured on your property. Without it, you—the homeowner—could be sued for damages.
In Massachusetts, any company with employees must carry workers’ compensation insurance. This is not optional. To verify coverage, you can check with the Massachusetts Department of Industrial Accidents.
3. Vehicle and Equipment Coverage
While not required by law, reputable roofers often carry additional insurance to protect their vehicles and tools. This provides further assurance of professionalism and financial responsibility.
Risks of Hiring an Unlicensed or Uninsured Roofer in Brockton
1. You May Be Held Liable for Accidents
If a roofer is injured and doesn’t have workers’ comp, the homeowner may face a lawsuit for medical costs or lost wages.
2. No Access to Warranty Coverage
Many roofing manufacturers only honor warranties if the installation is performed by a licensed and insured contractor. Using an unlicensed roofer could void your warranty.
3. Poor Workmanship or Code Violations
Unlicensed contractors are less likely to follow building codes or pull the required permits. This could lead to failed inspections or safety hazards down the line.
4. No Legal Recourse for Disputes
If you hire an unregistered roofer and something goes wrong, you may have limited legal protections or no ability to recover damages through state programs.
How to Verify a Roofer’s License and Insurance in Brockton
Before signing a contract, always take the time to verify credentials. Here’s how:
- Ask for their HIC registration number
- Request a copy of their insurance certificates (liability and workers’ comp)
- Check their license status with the Massachusetts HIC Registry
- Contact the insurance providers listed to ensure the policies are active
- Confirm CSL if structural work is included
A reputable roofer in Brockton will be happy to provide this information upfront—at MJY Construction, it’s part of our standard consultation.
Benefits of Hiring a Licensed and Insured Roofer in Brockton
1. Peace of Mind
You’ll know the contractor has met state requirements, passed background checks, and carries insurance in case anything goes wrong.
2. Code Compliance and Proper Permitting
Licensed roofers are familiar with Brockton’s local building codes and will pull all necessary permits for your project.
3. Quality Workmanship
Licensed contractors must maintain a standard of work to keep their registration active. They’re also more likely to use certified installers and follow manufacturer guidelines.
4. Legal Protections
In the event of a dispute, hiring a registered contractor gives you access to legal protections, including the right to file complaints with the state.
5. Financial Protection
Should something go wrong during the project, insurance coverage helps ensure you’re not left paying for damages out of pocket.
What to Look for in a Roofing Estimate
Once you’ve verified that your contractor is licensed and insured, review their estimate carefully. A quality roofing proposal in Brockton should include:
- Detailed scope of work
- Breakdown of materials and labor
- Estimated timeline
- Permit responsibilities
- Warranty information
- Payment terms and milestones
If anything is unclear, don’t hesitate to ask questions. Clear communication is key to a successful roofing project.
Why MJY Construction Stands Out in Brockton
At MJY Construction, we take pride in doing things the right way. That includes:
- Being fully licensed and insured in Massachusetts
- Offering free inspections and transparent quotes
- Providing high-quality workmanship backed by long-term warranties
- Ensuring code compliance and pulling all required permits
- Serving the Brockton community with honesty, professionalism, and expertise
Whether you’re planning a roof repair, new installation, or skylight addition, we’re here to make sure the job is done right, safely, and legally.
Don’t Risk It—Choose a Licensed and Insured Roofing Expert
So, do roofers in Brockton need to be licensed and insured? Absolutely. It’s the foundation for safe, reliable, and legally compliant roofing work. Hiring an unlicensed or uninsured roofer might save money short-term, but the risks far outweigh the reward.
Protect your investment, your home, and your peace of mind—work with a contractor who meets all legal requirements and puts your safety first.
Get a free inspection now with MJY Construction and see why so many Brockton homeowners trust us for expert roofing services backed by full licensing and insurance.
