We are planning to have a new roof put on our home in Wisconsin this summer. We have two estimates - one from a nationwide major construction company and one from a local free-lance roofer who just does roofs on the side. The construction company sales person told us that in the future if we would ever have to claim damage on the roof from storms/weather we would have to prove that whoever put the roof on was a licensed contractor and that they had a building permit when they did it. In other words, he's saying that if we have the free lance roofer do the roof, it is no longer covered by our home owners insurance. I think he said this may be specific to Wisconsin insurance policies - I'm not sure though, because he talked way too much! Could there be any truth to this?
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