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How do I check that a roofer in Destin, FL is licensed and legit?

Checked 16 Oct 2026; reviewed by Alim, TrustedSource.

Published by Cone Red Inc.

1. Active state license: Look up the license on the Florida DBPR license search: an active roofing contractor license (CCC or RC) in the company's or qualifier's name. (Florida Department of Business and Professional Regulation, Florida Attorney General's Office, The Florida Senate (Florida Statutes))
2. Insurance: Ask for the certificate of insurance, and check with the insurer that the policy is current. (Florida Department of Financial Services, Florida Attorney General's Office, Construction Industry Licensing Board (Florida Administrative Code))
3. Permit: Ask who pulls the permit, and check it with the office that issues permits for the property. (City of Destin, Okaloosa County, The Florida Senate (Florida Statutes), Florida House of Representatives)
4. Complaints and discipline: Check DBPR's records for complaints and discipline before you sign. (Florida Department of Business and Professional Regulation, Florida Attorney General's Office)
5. Real local address: Check the business has a real local address, not a post office box or a temporary one. (Florida Department of Agriculture and Consumer Services)
6. Written contract and deposit rules: Get a written contract, and know the rules on deposits and on cancelling. (Florida Department of Business and Professional Regulation, Florida Attorney General's Office, Florida Department of Agriculture and Consumer Services, The Florida Senate (Florida Statutes))

On 7 Oct 2026, the state license register (DBPR) showed 15 roofers with an active Florida roofing contractor license (CCC or RC): 15 are licensed, with an address in Destin. They are listed on LocalBest.

1. Does the roofer hold an active Florida license?

• Be cautious of anyone who arrives uninvited and says they noticed damage to your home: always verify a contractor's license and reputation before agreeing to any work. Red flag: Scammers may show up unannounced, push you to “act now,” or claim they’re working in the neighborhood. Florida Department of Business and Professional Regulation, dated 27 Aug 2026; read 16 Oct 2026.
• After a storm, always verify a professional's license before hiring, and report suspected unlicensed activity. Red flag: Cannot provide a valid Florida DBPR license Florida Department of Business and Professional Regulation: Verify a License (DBPR); read 16 Oct 2026.
• DBPR's license search lets you search by name, by license number, by city or county, or by license type. Florida Department of Business and Professional Regulation: DBPR Licensing Portal - License Search; read 16 Oct 2026.
• Verify the contractor's license at MyFloridaLicense.com. Florida Attorney General's Office, dated Feb 2025; read by hand 19 Oct 2026.
• DBPR's online license search lets you search by name, license number, city or county, or license type. Florida Department of Business and Professional Regulation: DBPR Online Services website; read by hand 19 Oct 2026.
• DBPR's mobile app searches DBPR records for businesses and professionals licensed by the department; users can verify licenses by name or license number. Florida Department of Business and Professional Regulation: DBPR Mobile App; read by hand 19 Oct 2026.
• A DBPR license search result shows the license type, name, name type, license number and rank, status and expiry, and the license location, main and mailing addresses. Florida Department of Business and Professional Regulation: DBPR Online Services website; read by hand 19 Oct 2026.
• If you pay someone to construct a building or a structure, or to do air conditioning work, that person must have a state contractor's license. Florida Department of Business and Professional Regulation; read 16 Oct 2026.
• Roof repairs and a new or replacement roof are services that require a DBPR license. Florida Department of Business and Professional Regulation, dated 27 Aug 2026; read 16 Oct 2026.
• Florida law requires licensed contractors to display their license number on advertisements, websites and business materials. Red flag: No License Number on Ads or Business Cards What to do: If you can’t find it, verify it—or walk away. Florida Department of Business and Professional Regulation, dated 27 Aug 2026; read 16 Oct 2026.
• Not every business offering home improvement services is a licensed contractor: an occupational license, or registration as an Inc. or LLC with the Division of Corporations, does not qualify anyone to act as a contractor. Florida Department of Business and Professional Regulation, dated 27 Aug 2026; read 16 Oct 2026.
• If you contract with a person who does not have a license, the Construction Industry Licensing Board and DBPR may be unable to help with any financial loss, and your only remedy against an unlicensed contractor may be in civil court. The Florida Senate (Florida Statutes), dated 2026; read 16 Oct 2026.
• Florida law defines a roofing contractor as a contractor whose services are unlimited in the roofing trade: installing, maintaining, repairing, altering or extending all kinds of roofing, waterproofing and coating. The Florida Senate (Florida Statutes), dated 2026; read 16 Oct 2026.
• A certified contractor holds a certificate of competency issued by DBPR and may contract in any jurisdiction in Florida; a registered contractor may contract only in the jurisdictions where the registration was issued. The Florida Senate (Florida Statutes), dated 2026; read 16 Oct 2026.

2. Do they carry insurance?

• The Division of Workers' Compensation's Proof of Coverage Database can be searched by employer name, Federal Employer ID Number, employer policy number, expiration date, effective date, or all policies by county. Florida Department of Financial Services: Division of Workers' Compensation, Proof of Coverage Database; read 16 Oct 2026.
• Check for proof of insurance and verify with the insurer that the policy is current. Florida Attorney General's Office, dated Feb 2025; read by hand 19 Oct 2026.
• The Construction Industry Licensing Board requires a roofing contractor to maintain public liability insurance of $100,000 and property damage insurance of $25,000 for the life of an active certificate or registration. Good result: The insurance shall, at all times, be carried in the name of the licensee. Construction Industry Licensing Board (Florida Administrative Code); read 16 Oct 2026.
• A contractor is required to have general liability and property damage liability insurance, and workers' compensation insurance unless they qualify for an exemption. What to do: Always ask for a copy of their proof of insurance before signing a contract. Florida Department of Financial Services; read 16 Oct 2026.
• In the construction industry, employers with one or more employees, including business owners who are corporate officers or LLC members, must have workers' compensation coverage. Florida Department of Financial Services; read 16 Oct 2026.

3. Will they pull a permit?

• Within the city limits of Destin, the City of Destin Building Division makes sure structures built, altered or renovated meet all applicable building codes: its staff review building plans, inspect during all phases of construction and issue certificates of occupancy. What to do: Apply for a permit through MGO. City of Destin: City of Destin Building Division; read by hand 19 Oct 2026.
• For property outside city limits: Okaloosa County processes all trade permits and roof and re-roof permits in its Fast Lane and issues them the next day; building permits are applied for online through the county's Customer Service Support (CSS) portal. What to do: Create an account on the county's online permitting portal to search for permits on a property. Okaloosa County: Okaloosa County Growth Management, Building Division (Permitting); read 16 Oct 2026.
• For property outside city limits: Before signing with a contractor, Okaloosa County Growth Management says to make sure the proper permits are obtained, if required; a permit technician answers permit questions at (850) 651-7180. Red flag: Beware of anyone that asks you to obtain the permit. What to do: Do not make final payment until all final inspections have been completed. Okaloosa County: Okaloosa County Department of Growth Management; read 16 Oct 2026.
• Unless the law provides otherwise, it is unlawful to construct, alter, repair or demolish any building in Florida without first getting a permit from the appropriate enforcing agency. The Florida Senate (Florida Statutes), dated 2026; read 16 Oct 2026.
• Florida's owner-builder disclosure statement warns that unlicensed persons often have the property owner obtain an owner-builder permit. What to do: Protect yourself from potential financial risk by hiring a licensed contractor and having the permit filed in his or her name instead of your own. The Florida Senate (Florida Statutes), dated 2026; read 16 Oct 2026.
• Under Florida law (HB 803 of 2026, which adds paragraph (g) to s. 553.79), a local government that issues building permits must exempt the owner of a single-family home, or the owner's contractor, from getting a building permit for work valued at less than $7,500 on the owner's property. The exemption does not cover property partly or entirely in a flood hazard area, or any electrical, plumbing, structural, mechanical or gas work; a project may not be split into several to evade this; and to qualify, the owner or contractor must submit a written request for exemption, with a copy of the contract or other documentation of the nature and value of the work, to the local enforcement agency. Florida House of Representatives, dated 2026; read by hand 20 Oct 2026.

4. Any complaints or discipline?

• Before hiring, verify a contractor's state-issued license with DBPR and review any disciplinary actions or complaints. Florida Department of Business and Professional Regulation: MyFloridaLicense.com or the DBPR Mobile App, dated 27 Aug 2026; read 16 Oct 2026.
• Report unlicensed activity to DBPR online at MyFloridaLicense.com, in the DBPR Mobile App, by email to [email protected] or on the hotline at (866) 532-1440. Florida Department of Business and Professional Regulation: DBPR Unlicensed Activity Program, dated 27 Aug 2026; read 16 Oct 2026.
• DBPR's Unlicensed Complaint Search lists public complaints against people or businesses that were not licensed by DBPR at the time of the complaint; search by last name or business name, or by county. Florida Department of Business and Professional Regulation: DBPR Licensing Portal - Unlicensed Complaint Search; read 16 Oct 2026.
• File a complaint with DBPR online at MyFloridaLicense.com or in the DBPR mobile app. Florida Department of Business and Professional Regulation: MyFloridaLicense.com or the DBPR mobile app; read 16 Oct 2026.
• Report fraud to the Florida Attorney General by calling 1-866-9-NO-SCAM (1-866-966-7226); consumer tips and complaints are at MyFloridaLegal.com. Florida Attorney General's Office, dated Feb 2025; read by hand 19 Oct 2026.
• File a complaint with the Florida Attorney General online, with the General Inquiries or Complaints form, or print the complaint form and mail it to the Office of Attorney General, The Capitol PL-01, Tallahassee, FL 32399-1050. Florida Attorney General's Office: Office of Attorney General, State of Florida; read by hand 19 Oct 2026.
• In DBPR's license search results, click on the name to see more information, including any complaints or discipline. Florida Department of Business and Professional Regulation: DBPR Online Services website; read by hand 19 Oct 2026.
• To file a complaint with DBPR against a licensed contractor, choose Construction Industry on DBPR's File a Complaint page and file online or by mail; if the profession is not on the list, call the Customer Contact Center at (850) 487-1395. Florida Department of Business and Professional Regulation: DBPR File a Complaint: Construction Industry; read by hand 19 Oct 2026.
• DBPR cannot represent you in court or recover money for you; if your complaint involves a licensed contractor, you may be able to recover a portion of your losses through the Florida Homeowners' Construction Recovery Fund. Florida Department of Business and Professional Regulation; read 16 Oct 2026.
• DBPR's discipline is administrative (for example a fine, probation, or license suspension or revocation). It cannot represent you in civil matters to recover fees paid, and some fee and price disputes, disagreements over contract terms and some quality of workmanship issues may not be within its authority. What to do: For civil matters such as recovering fees paid, consider consulting a private attorney. Florida Department of Business and Professional Regulation; read by hand 19 Oct 2026.

5. Is the business really local?

• Be cautious of repair businesses or individuals who solicit door-to-door, arrive in unmarked vehicles, have a post office box or temporary address, claim they are from another county or state and are in the area solely to help disaster victims, or claim they were doing work in the area and noticed your home needed repairs. Red flag: A post office box or temporary address, or a claim to be from another county or state and in the area solely to help disaster victims. Florida Department of Agriculture and Consumer Services; read by hand 19 Oct 2026.
• Check each contractor's address, license and complaint history by calling DBPR at (850) 487-1395 or by visiting DBPR's website. Florida Department of Agriculture and Consumer Services; read by hand 19 Oct 2026.

6. What should the contract and the payments look like?

• Requests for big deposits, or for payment in full before work begins, are major red flags; licensed contractors typically follow standard payment schedules and provide written agreements. Good result: Licensed contractors typically follow standard payment schedules and provide written agreements. Red flag: Requests for big deposits—or payment in full before work begins—are major red flags. Florida Department of Business and Professional Regulation, dated 27 Aug 2026; read 16 Oct 2026.
• Unlicensed providers often avoid written contracts; a professional documents the scope of work, materials, timelines and costs. Good result: A professional will document the scope of work, materials, timelines, and costs. Red flag: No Written Contract Florida Department of Business and Professional Regulation, dated 27 Aug 2026; read 16 Oct 2026.
• Never pay the full amount of a repair up front, and think carefully before providing a large deposit. Florida Attorney General's Office, dated Feb 2025; read by hand 19 Oct 2026.
• Get at least three itemized estimates, never agree to a cash-only deal, and ask for a written estimate and inspect the terms carefully before signing. Florida Department of Agriculture and Consumer Services; read by hand 19 Oct 2026.
• "A contractor who receives, as initial payment, money totaling more than 10 percent of the contract price for repair, restoration, improvement, or construction to residential real property must: 1. Apply for permits necessary to do work within 30 days after the date payment is made, except where the work does not require a permit under the applicable codes and ordinances, and 2. Start the work within 90 days after the date all necessary permits for work, if any, are issued, unless the contractor has just cause for failing to apply for the necessary permits, starting the work, or refunding the payment, or unless the person who made the payment agreed, in writing, to a longer period to apply for the necessary permits or start the work or to longer periods for both." The Florida Senate (Florida Statutes), dated 2026; read 16 Oct 2026.
• "Each agreement or contract for repair, restoration, improvement, or construction to residential real property must contain a written statement explaining the consumer’s rights under the recovery fund, except where the value of all labor and materials does not exceed $2,500." The Florida Senate (Florida Statutes), dated 2026; read 16 Oct 2026.
• "A residential property owner may cancel a contract to replace or repair a roof without penalty or obligation within 10 days after the execution of the contract or by the official start date, whichever comes first, if the contract was entered into within 180 days of events that are the subject of a declaration of a state of emergency by the Governor and the residential property is located within the geographic area for which the declaration of the state of emergency applies." What to do: Send the notice of cancellation by certified mail, return receipt requested, or another form of mailing that provides proof, to the address specified in the contract. The Florida Senate (Florida Statutes), dated 2026; read 16 Oct 2026.
• "A contractor may not execute a contract with a residential property owner to repair or replace a roof without including a notice that the contractor may not engage in the practices set forth in paragraph (2)(b). If the contractor fails to include such notice, the residential property owner may void the contract within 10 days after executing it." Red flag: Offering to a residential property owner a rebate, gift, gift card, cash, coupon, waiver of any insurance deductible, or any other thing of value in exchange for: 1. Allowing the contractor to conduct an inspection of the residential property owner’s roof; or 2. Making an insurance claim for damage to the residential property owner’s roof. The Florida Senate (Florida Statutes), dated 2026; read 16 Oct 2026.

The same checks in Fort Walton Beach, Niceville.

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