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Puget Sound Emergency Roofers

After the storm

How to hire an emergency roofer after a storm

Storms bring roofers who knock on doors. Some are fine. Washington law and the state insurance commissioner give you a few tools to tell them apart.

Registration first

Roofing is one of the specialties that needs L&I contractor registration. A roofing-only contractor posts a $15,000 bond, may work only in roofing and cannot hire subcontractors. (L&I) (RCW 18.27.040, read Oct 17, 2026) Look up the name on L&I Verify, which shows bond, insurance and violations.

Insurance claim rules

  • A roofer who offers to cover your deductible as a regular practice breaks state law. (RCW 48.30A.015)
  • An Assignment of Benefits lets a contractor deal with your insurer and collect payment without your approval. Talk to your insurer before you sign one. (OIC)
  • A public adjuster works for you and must be licensed in Washington. The independent adjuster works for the insurer. (OIC)

More in roofers and insurance claims.

Questions to ask

  1. What is your L&I registration number?
  2. Can you tarp it today and give me a written repair bid later?
  3. Will you photograph the damage before you cover it?
  4. Who pulls the permit if the repair needs one?

Red flags

  • "We'll take care of your deductible."
  • Pressure to sign an Assignment of Benefits on the spot. (OIC)
  • Large deposit or full payment before work. (L&I)
  • An unusually long warranty. L&I lists that as a warning sign. (L&I)

Comparing repair bids

We found no local survey of roof repair prices, so we don't print one. Pay for a tarp tonight if you need it, then get two or three written bids for the repair, each covering the same damage and materials.

A WA registered contractor badge on a listing here means we matched that business by phone and name to an active record in L&I contractor registration data on October 17, 2026. Records change. Run the lookup yourself before work starts.

Sources

We read each source on October 17, 2026. Rules and prices change, so check the linked page before you rely on a number.

  1. L&I: Register as a Contractor
  2. RCW 18.27.040, contractor bond amounts
  3. Washington L&I: Verify a Contractor, Tradesperson or Business
  4. RCW 48.30A.015, trafficking in insurance claims
  5. Washington OIC: Beware of fraud after home or property damage
  6. L&I publication F625-084-000, What You Should Know About Hiring a Contractor (10-2024)

Written by the Puget Sound Emergency Roofers team. We list businesses; we do not employ, bond or insure them. Spot a mistake? Use the claim page to tell us.

After the storm: roof leak checklist for the Puget Sound

Watch the forecastWind and atmospheric-river warnings for the Puget Sound come from the National Weather Service — Seattle office.
Insurance helpThe Washington Office of the Insurance Commissioner explains how to file a homeowner claim and runs a consumer line at 800-562-6900 (Mon–Fri 8:30 a.m.–4:30 p.m.). (WA Insurance Commissioner — Filing a homeowner insurance claim)
Seattle re-roof permitsSeattle does not require a permit to re-roof a one- or two-family home or townhouse if nothing changes in the building envelope beyond adding or replacing insulation of equal or better value. If the re-roof alters the envelope, you need a permit. When a permit is needed, there is no on-site inspection: you close it with a Roof Replacement Affidavit. (Seattle SDCI — Re-roof permit)
RegistrationRoofers in Washington must register with L&I as contractors. Check that the registration is active on Washington L&I — Verify a Contractor, Tradesperson or Business before you pay a deposit.

Checked against the official pages linked above on 2026-10-08. Numbers change, so confirm on the utility’s site.