ROOFING x TENNESSEE

Roofing contractor requirements in Tennessee.

Roofing is a named building subcategory (BC-21, which also covers gutters and vinyl siding) with no trade exam, but it is one of the few trades the contractor law reaches even in a subcontract. Electrical, mechanical, plumbing, HVAC and roofing subs must be licensed once their portion of the project is $25,000 or more, including materials, equipment and labor. Painting, drywall and landscaping subs are exempt.

Below $25,000 the Home Improvement license covers roofing: $3,000 to $24,999 on residential work in Bradley, Davidson, Hamilton, Haywood, Knox, Marion, Robertson, Rutherford and Shelby counties. In the other 86 counties, and under $3,000 anywhere, there is no state roofing credential. Public Chapter 1039 (July 1, 2026) closes the splitting route: total cost now counts every contract and every payer.

STATE LICENSE
ConditionalTennessee Board for Licensing Contractors…
STATUTE
T.C.A. § 62-6-101 et seq.
RENEWAL
Biennial — contractor and HI licensesNone stated for BC-21
VERIFIED
October 2026Official sources
FILE · ROOFING x TENNESSEE
Compliance Dossier
Public
File
October 2026
STATE AUTHORITYTennessee Board for Licensing Contractors (Dept. of Commerce & Insurance)
STATUTE / CODET.C.A. § 62-6-101 et seq.
SCOPEStatewide · Tennessee
RENEWALBiennial — contractor and HI licenses
CONTINUING ED.None stated for BC-21
LOCAL OFFICES7 counties on file
FILE ROOFINGSCOPE STATEWIDE · TENNESSEETYPE VERIFIED RULE FILE
VERIFIED October 2026STATUS PUBLIC REFERENCE
What this file settlesThe Tennessee rules for roofing contractors, verified against official sources.
LICENSE TRUTH
Tennessee has no stand-alone roofing license. Roofing is building subcategory BC-21, required at $25,000 whether you work for the owner or under a general contractor. Below that, residential re-roofs from $3,000 need the Home Improvement license in nine counties.
STATE ↔ LOCAL
Tennessee licenses contractors at the state level; the local desk issues the permit and does the inspecting. Every contractor also needs a business tax license for each city or county where it operates. All four big metros sit inside Home Improvement counties: Davidson (Metro Nashville), Shelby (Memphis), Knox (Knoxville) and Hamilton (Chattanooga). Residential remodeling from $3,000 to $24,999 there needs the state Home Improvement license, whether or not the job needs a permit. Memphis & Shelby County Construction Code Enforcement makes every state-licensed general contractor register its license before pulling a permit. The registration costs $50 and needs a Board-issued Qualifying Agent affidavit and a Memphis & Shelby County business license. Knoxville ties every permit applicant to a registration type: state contractor, homeowner, or unlicensed/state limited license. Where a city or county does not enforce its own building code, one- and two-family dwellings fall under the State Fire Marshal's residential permit program, which uses the 2018 IRC and state-contracted inspectors.
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 Tennessee.

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

STATE — $25,000 AND UP
Board for Licensing Contractors
BC-21 — PRIME OR SUBMONETARY LIMIT
STATE — UNDER $25,000
Board (Home Improvement)
HI LICENSE $3,000+ IN 9 COUNTIES
LOCAL — PERMIT DESK
City / county codes office
BUSINESS TAX LICENSEROOF PERMITS PER LOCAL CODE

Read it bottom-up.

Tennessee licenses contractors at the state level; the local desk issues the permit and does the inspecting. Every contractor also needs a business tax license for each city or county where it operates. All four big metros sit inside Home Improvement counties: Davidson (Metro Nashville), Shelby (Memphis), Knox (Knoxville) and Hamilton (Chattanooga). Residential remodeling from $3,000 to $24,999 there needs the state Home Improvement license, whether or not the job needs a permit. Memphis & Shelby County Construction Code Enforcement makes every state-licensed general contractor register its license before pulling a permit. The registration costs $50 and needs a Board-issued Qualifying Agent affidavit and a Memphis & Shelby County business license. Knoxville ties every permit applicant to a registration type: state contractor, homeowner, or unlicensed/state limited license. Where a city or county does not enforce its own building code, one- and two-family dwellings fall under the State Fire Marshal's residential permit program, which uses the 2018 IRC and state-contracted inspectors.

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

Source · Tennessee Board for Licensing Contractors (Dept. of Commerce & Insurance)Last 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
Contractor License — BC-21Roofing portion of $25,000+, as prime or sub
TN Board for Licensing Contractors
$250 application
Business & Law exam + Board review
T.C.A. § 62-6-102; Rule 0680-01-.24
CONDITIONAL
Home Improvement LicenseResidential remodeling $3,000–$24,999 in Bradley, Davidson, Hamilton, Haywood, Knox, Marion, Robertson, Rutherford & Shelby counties
TN Board for Licensing Contractors
$250 + $10,000 bond
Board approval
T.C.A. § 62-6-501 et seq.; § 62-6-516
CONDITIONAL
General LiabilityHI: $100,000 minimum. Contractor: tiered by monetary limit
Private carrier
$100k minimum and up
With application
Board licensing instructions
REQUIRED
Workers' CompensationRequired for a contractor license unless exempt; exempt owners must still cover every employee
Private carrier / TN exemption registry
Premium by payroll
With application
Rule 0680-01-.27(4)
REQUIRED
Roofing PermitsPer local code
City / county office
Local schedule
Per project
Local code
CONDITIONAL
Business Tax LicenseOne for each city or county where you operate
TN Dept of Revenue
Set by locality
Before operating
Board licensing requirements (Step 4)
REQUIRED
§ 03 · Year-One Cost

What it costs to start roofing in Tennessee.

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
Tennessee · Roofing
Roofing under $3,000, or outside the 9 counties under $25,000$0
Home Improvement licensePlus $10,000 bond$250
Contractor license (BC-21)$25,000+ prime or sub$250
Biennial renewalEither license$200
ExamsBusiness & Law only (no roofing trade exam)Vendor-set
Year-one floor$0–$250 in state fees + bond/insurance
Excludes tools, vehicle purchase, payroll, and marketing.
NOTE
Roofing subs are covered

Unlike painting or drywall, a roofing sub working for a licensed GC still needs its own license once the roofing portion reaches $25,000.

NOTE
No roofing trade exam

BC-21 is a non-tested subcategory. You still pass Business & Law and qualify financially.

NOTE
Splitting doesn't work

From July 1, 2026 'total cost' counts every contract and every payer, including amounts the owner pays.

§ 04 · Path to First Job

From day zero to first inspection.

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

1
STEP 1
Size the job and check the county
$3,000 · $25,000 · 9 counties
2
STEP 2
Business tax license
TN Dept of Revenue
3
STEP 3
HI license or contractor license
Board
4
STEP 4
Pull the local roof permit
City / county office
5
STEP 5
Inspections and close-out
Local office
§ 05 · Compliance Checklist

Check them off.

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

01
License the sub, not just the prime
Roofing subs need BC-21 at $25,000 even when hired by a licensed GC.
STATESUBCONTRACTRule 0680-01-.24
BoardIssuing authority
02
Check the nine HI counties
Residential roofing $3,000–$24,999 in those counties requires the HI license.
STATECOUNTY-GATEDT.C.A. § 62-6-516
BoardIssuing authority
03
Count the whole roof
Tear-off, decking, gutters, overhead and profit all count toward the threshold, however many contracts.
STATETHRESHOLDT.C.A. § 62-6-102 (PC 1039)
StatuteIssuing authority
04
Permit per local code
Re-roof permit rules are local; the state residential program covers new homes and additions over 30 sq ft where no local code applies.
PERMITLOCALLocal code
Local officeIssuing authority
§ 06 · Enforcement

What the law does about unlicensed roofing work.

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

§
Rule 0680-01-.18; T.C.A. § 62-6-120Statute

Unlicensed bid = no award

Anyone who engages or offers to engage in contracting without a valid license, or outside its classification or monetary limit, may not be awarded the contract or take part in any re-bid of the project. The Board's licensing instructions add that the offender's own license application may be denied or held for up to six months.

ConsequenceNo award · no re-bid
§
Rule 0680-01-.19Statute

Board civil penalties

The Board may assess $50–$5,000 for violations of T.C.A. § 62-6-120(d) and for unlawful bidding, and $50–$1,000 for other violations of the contractor law. Each day of continued violation counts as a separate violation.

ConsequenceUp to $5,000 per violation, per day
§
Rule 0680-01-.21; T.C.A. § 62-6-103Statute

Unlicensed-contracting citation

The Board's Executive Director may issue a written citation to anyone contracting without a license, ordering them to cease and assessing a civil penalty.

Consequence$50–$1,000 per citation
§ 07 · Local Offices

Where the permit is filed, county by county.

Inside city limits, the city office listed here issues the permit; the county office serves unincorporated areas. Every office links to its official page.

§ 08 · Tennessee FAQ

Questions roofing contractors ask about Tennessee.

Q01Do roofers need a license in Tennessee?+
At $25,000 and up, yes, as prime or sub: a contractor license with BC-21. From $3,000 to $24,999 on homes in nine counties, the Home Improvement license. Otherwise, no state roofing license exists.
Q02Is there a roofing exam?+
No roofing trade exam. BC-21 is a non-tested subcategory, but every contractor applicant passes the Tennessee Business & Law exam.
Q03I sub for a general contractor. Am I exempt?+
Not for roofing. The Board's bidding rule names roofing alongside electrical, plumbing and HVAC as sub work that must be licensed at $25,000 or more.
§ 09 · Sources

Primary authorities, not secondary summaries.

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

Pending verification: Prov's per-exam fee for the Business & Law and trade exams from July 1, 2026 is not published on tn.gov (PSI charged $57 per exam per the Board's Rev. 02/25 application package) · The full text of T.C.A. § 62-6-103/§ 62-6-120 could not be fetched from an official host (the tn.gov statute mirror pages have been removed; the official code is behind LexisNexis). Any statutory cap on what an unlicensed contractor may recover in court, and the criminal grade of unlicensed contracting, are therefore not asserted here · How the Board will apply Public Chapter 1039's new 'total cost' definition (eff. July 1, 2026), which counts amounts 'regardless of whether such amounts are paid by the owner', alongside Rule 0680-01-.13 text that still describes cost as material and labor furnished 'by or through another source other than the owner' · Re-roof permit requirements were not verified for each local office

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

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