Guide · Checked October 22, 2026
Insurance restoration is the most profitable and most regulated third of the roofing business. The homeowner's side of the claim is math (this portfolio's DepreciationDecoded covers it). The contractor's side is law and process — and it is where storm-market companies are made and unmade.
On an RCV policy the carrier pays actual cash value first; the depreciation holdback releases when the work is complete and documented. That float shapes your cash cycle: materials and labor go out on your schedule, the balance arrives on the carrier's. Mortgage companies often sit on the check as co-payees — build the endorsement packet (contract, W-9, completion photos, final invoice) into your close-out or wait weeks for your own money.
The checker gives you the verdict. The kit gives you the paperwork, in filing order: the application walkthrough for your state's class, qualifying-party documentation templates, the bond and insurance spec sheet with your state's exact minimums, the city-registration checklist pack for no-license states, and the contract-compliance pack (deductible language and required contract notices, including Florida's deadlines calendar).
$49 one-time payment
Included in the $49 RoofingLicenseCheck Kit — every item below, for every state, one payment.
