Out of state contractors are coming to Florida to assist with Hurricane Irma recovery efforts. While many will appreciate this help, many property owners will be putting themselves at great financial risk given many out of state contractors will not have proper workers' compensation coverage and may not be familiar with the stringent FL building codes. We highly recommend waiting for a properly insured FL based contractor who will be familiar with FL building codes and pull the proper permits. We have included work-comp coverage requirements and helpful information from the Florida Division of Workers' Compensation that you will want to be familiar with when hiring a contractor. Also after the 2004 hurricane season many homeowners who used an out of state roofing contractor ended up having roofs installed with no permits. If a contractor replaces your roof and does not complete the permit process you will ultimately receive no premium credit for having a new roof installed on your home. Just be very careful when hiring a contractor and we are here to help with any of your concerns.