Key Takeaways
What a roofing contract should actually spell out before you sign — itemized scope, payment schedule, warranty terms, permits, timeline, and change orders.
A roofing contract should tell you exactly what you are paying for, in writing, before any work starts. A one-page estimate with a lump sum and a signature line is not a contract you should sign. Here is what a real one includes.
Is the Scope of Work Itemized?
The contract should break down materials and labor separately, not bury everything in a single number. That means naming the specific shingle product and manufacturer, underlayment type, ice-and-water shield locations, flashing and ventilation components, and the quantity of each — not just "roofing materials." An itemized scope is also what protects you if a dispute comes up later about what was supposed to be included. Our guide to what is included in a roof replacement walks through what a complete scope should cover.
What Is the Payment Schedule?
Payment should be tied to project milestones — for example, a deposit at signing, a payment when materials are delivered, and a final payment on completion and your sign-off — rather than full payment up front. Be cautious of any contract asking for 100% payment before work begins.
Are Warranty Terms Spelled Out Explicitly?
A roofing job typically carries two separate warranties, and the contract should name both clearly: the manufacturer's warranty on the materials themselves, and the contractor's workmanship warranty covering their installation labor. These are not the same thing, and a vague contract that just says "warrantied" without specifying which kind, what it covers, and for how long, is a red flag. Higher-tier manufacturer programs, such as GAF's Golden Pledge warranty available through Master Elite-certified contractors, can extend coverage further — but only if your specific contractor qualifies and the paperwork is filed correctly.
Who Is Responsible for Permits?
The contract should state explicitly who is pulling any required building permit — it should be the contractor, not left to you. Permit requirements vary by municipality (see our overview of Illinois roofing permit rules), so this clause matters even on jobs where a permit may not ultimately be required.
What Is the Timeline?
Look for an estimated start date and completion window, even if it is weather-dependent. A contract with no timeline language at all makes it hard to hold anyone accountable if the job stalls.
How Are Change Orders Handled?
If your crew opens up the roof and finds rotted decking that needs to be replaced beyond the original scope, that is a change order — additional work, at additional cost, that should require your written approval before it proceeds. The contract should describe this process, not leave it to a verbal conversation on the day it happens.
Want the pricing context to go with this? Our roof replacement cost guide breaks down what these line items typically run in the Naperville area. And for the questions to ask before you even get to the contract stage, see the rest of our Hiring a Roofer & Buying Guide.