ROOFING x INDIANA

Roofing contractor requirements in Indiana.

No Indiana agency licenses roofers. Where licensing exists, it is local: in Indianapolis, roofing is construction work, so Code § 875-101's listed-contractor requirement applies — with a $10,000 bond and $500,000 in liability coverage.

After storms the state rules that bite are consumer-protection rules. IC 24-5-11-10.5 bars a home-improvement contractor from advertising, offering, or promising to pay or rebate any part of an insurance deductible, and residential contracts over $150 must be in writing.

STATE LICENSE
NoneSee what applies
STATUTE
IC 24-5-11
RENEWAL
n/a at state level · Indianapolis: Dec 31, even yearsn/a
VERIFIED
October 2026Official sources
FILE · ROOFING x INDIANA
Compliance Dossier
Public
File
October 2026
STATE AUTHORITYNone for this trade
STATUTE / CODEIC 24-5-11
SCOPEStatewide · Indiana
RENEWALn/a at state level · Indianapolis: Dec 31, even years
CONTINUING ED.n/a
LOCAL OFFICES5 counties on file
FILE ROOFINGSCOPE STATEWIDE · INDIANATYPE VERIFIED RULE FILE
VERIFIED October 2026STATUS PUBLIC REFERENCE
What this file settlesThe Indiana rules for roofing contractors, verified against official sources.
LICENSE TRUTH
Indiana has no state roofing license — roofers are licensed, if at all, by the city or county, and every residential roofer is bound by the Home Improvement Contract Act, including its ban on covering insurance deductibles.
STATE ↔ LOCAL
With no state license, roofing compliance is local permits plus local licensing where it exists, layered on the statewide Home Improvement Contract Act. Indiana has no statewide contractor license outside plumbing, so the license question is answered where the work is: the Consolidated City of Indianapolis (BNS, Revised Code Chapter 875) runs a real licensing program with bonds and insurance; Allen County's Building Department licenses building, residential, home-improvement, and sub-contractors for the Fort Wayne area; and cities like Lafayette and counties like Monroe run their own electrical boards. The Attorney General's own guidance is that licensing requirements vary from community to community.
EVERY CLAIM SOURCED
Each requirement below carries its citation and official source. Facts we could not confirm are listed as pending — never asserted.
§ 01 · Permit Stack

How roofing work is governed in Indiana.

The state sets the license floor; the county or city permit office controls filing, inspections, and local rules wherever the job site sits.

STATE — NO LICENSE
Attorney General (contract rules)
WRITTEN CONTRACT > $150NO DEDUCTIBLE REBATES
CITY / COUNTY — LICENSE IF REQUIRED
Indianapolis BNS · Allen County
LOCAL LICENSEBOND + GL
LOCAL — WHERE YOU FILE
Local permit office
ROOF PERMITS PER LOCAL CODEINSPECTIONS

Read it bottom-up.

With no state license, roofing compliance is local permits plus local licensing where it exists, layered on the statewide Home Improvement Contract Act. Indiana has no statewide contractor license outside plumbing, so the license question is answered where the work is: the Consolidated City of Indianapolis (BNS, Revised Code Chapter 875) runs a real licensing program with bonds and insurance; Allen County's Building Department licenses building, residential, home-improvement, and sub-contractors for the Fort Wayne area; and cities like Lafayette and counties like Monroe run their own electrical boards. The Attorney General's own guidance is that licensing requirements vary from community to community.

The local offices section below names the exact permit desk for every Indiana county on file.

Source · State and local issuing authoritiesLast verified · October 2026
§ 02 · Specs Ledger

Every requirement, with a number on it.

Each row names the issuing authority, cost, timeline, citation, and status behind the requirement — verified against the official source.

RequirementIssued byCostTimeCitationStatus
State Roofing LicenseNone exists
—
$0
—
No state statute
OPTIONAL
Indianapolis General Contractor LicenseAny construction, land alteration, sewer, driveway, or excavation work in the Consolidated City
Indianapolis BNS
$247 (prorated new) · $247 renewal
Expires Dec 31, even years
Indianapolis Code § 875-101
CONDITIONAL
Indianapolis Bond + GL Insurance$10,000 license bond; GL $500k BI / $100k PD or $500k combined; City named additional insured
Surety / carrier
$10,000 bond · $500k GL
With license application
BNS General Contractor packet
CONDITIONAL
Written Home Improvement ContractResidential jobs over $150: price, schedule, materials, dates, signature
Statute (AG enforces)
$0
Before work starts
IC 24-5-11
REQUIRED
No Deductible RebatesCan't advertise, offer, or promise to pay any part of a deductible
Statute (AG enforces)
$0
Every insurance job
IC 24-5-11-10.5
REQUIRED
Workers' CompensationRequired for employees; no-employee owners file a WCB exemption/clearance waiver
Carrier / Indiana WCB
Premium by payroll
Before hiring
IC 22-3; BNS packets
CONDITIONAL
§ 03 · Year-One Cost

What it costs to start roofing in Indiana.

Published fees from the issuing authorities, as of October 2026. Local permit fees vary by project and jurisdiction — the basis is stated where a flat number does not exist.

Year-one ledger
Indiana · Roofing
State licenseNone exists$0
Indianapolis contractor licenseNew, prorated; $247 renewal$124–$247
Indianapolis bondPremium set by surety$10,000 bond
Local roof permitsPer local fee schedulePer job
Year-one floor$0 state · ≈ $247 + bond + insurance in Indianapolis
Excludes tools, vehicle purchase, payroll, and marketing.
NOTE
Storm work is watched

The Attorney General's storm-chaser guidance tells homeowners to verify local licensing, bonding, and insurance and never to pay more than a third up front.

NOTE
Deductible offers are illegal

Even offering to 'cover' or 'waive' a deductible violates IC 24-5-11-10.5.

NOTE
Licensing varies by community

Outside Indianapolis, check the city or county building department for its roofing license and permit rules.

§ 04 · Path to First Job

From day zero to first inspection.

A practical sequence for a new roofing contractor in Indiana. Actual agency processing times are noted in the ledger above.

1
STEP 1
Check each city's license rule
Local building dept.
2
STEP 2
Bind GL, bond, comp
Carrier / surety
3
STEP 3
Local license (e.g., Indianapolis)
BNS
4
STEP 4
Written contract over $150
IC 24-5-11
5
STEP 5
Permit and inspection
Local office
§ 05 · Compliance Checklist

Check them off.

Each item names the issuing authority, cycle, and citation.

01
Use a compliant written contract
Price, payment schedule, detailed materials (colors, brands), dates, name, address, signature.
STATELEGALIC 24-5-11
YouIssuing authority
02
Don't touch the deductible
No advertising, offering, or promising to pay or rebate a deductible.
STATEWARNINGIC 24-5-11-10.5
YouIssuing authority
03
License where required
Indianapolis treats roofing as construction requiring a BNS contractor license.
LOCALCONDITIONALCode § 875-101
Indianapolis BNSIssuing authority
04
Pull the permit before starting
The AG advises homeowners that work shouldn't start until any required permit is issued.
PERMITLOCALAG guidance
Local officeIssuing authority
§ 06 · Enforcement

What the law does about unlicensed roofing work.

Statutory consequences with their citations — not estimates, not “commonly cited” guesses.

§
IC 24-5-11-10.5Statute

Deductible rebates

Offering to pay or rebate an insurance deductible to induce a home improvement contract.

ConsequenceAttorney General enforcement
§
IC 24-5-11Statute

Contract violations

Residential contracts over $150 lacking a compliant written agreement.

ConsequenceAttorney General enforcement
§
Indianapolis Code § 875-101Statute

Unlicensed in Indianapolis

Construction work in the Consolidated City without a BNS listing.

ConsequenceLocal code enforcement
§ 08 · Indiana FAQ

Questions roofing contractors ask about Indiana.

Q01Do roofers need a license in Indiana?+
Not from the state — Indiana has no roofing license. Some cities and counties license contractors; Indianapolis requires a BNS contractor license for construction work, including roofing, in the Consolidated City.
Q02Can I offer to pay the homeowner's deductible?+
No. IC 24-5-11-10.5 prohibits a home-improvement contractor from advertising, offering, or promising to pay or rebate any portion of an insurance deductible.
Q03Does a roof replacement need a written contract?+
Yes, if it exceeds $150 — the Home Improvement Contract Act requires a written contract with specific terms.
§ 09 · Sources

Primary authorities, not secondary summaries.

Every fact in this file was checked against these official sources on October 2026.

Pending verification: Homeowner cancellation rights tied to insurance-claim denials under IC 24-5-11 (statute text not retrievable from iga.in.gov) · Whether Indianapolis requires a building permit for every re-roof

General information, not legal advice. Always confirm requirements, deadlines, and forms with the issuing authority before filing or contracting.

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