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Roof Replacement in Toronto: What Every Homeowner and Commercial Property Owner Needs to Know Before They Sign Anything

March 22, 2026

Frank, owner of Right Choice Roofing and Repair, Toronto roofer standing in front of company truck

By Frank | Right Choice Roofing and Repair | Serving Toronto Since 2007

Toronto’s Roof Replacement Guide — The Inside Information Every Homeowner and Business Owner Deserves to Hear From an Experienced Local Roofer

Let me be straight with you — replacing your roof is one of the biggest purchases you’ll make as a homeowner or commercial property owner. It’s right up there with your furnace, your windows, and your foundation. And just like any major purchase, if you go in blind and just look for the lowest price, you are going to get exactly what you paid for.

I’ve been doing this since 2007. I’ve been on thousands of roofs across Toronto — in The Annex, Leaside, East York, Etobicoke, Danforth, Cabbagetown, Scarborough, the Junction, and everywhere in between. I’ve seen what happens when a homeowner makes a rushed decision, trusts the wrong contractor, or buys the cheapest materials available. I’ve also seen what happens when someone invests properly in their roof — they sleep through rainstorms, they don’t panic when they spot a raccoon waddling across their eavestroughs, and they don’t spend the next ten years patching the same problems over and over again.

This post is my honest, straight-talking guide to Roof Replacement in Toronto — for Asphalt Shingle Roofs, Flat Roofs, and Slate Roofs. I want you to read this before you call anyone, including me. An educated client always gets a better result.


Before Anything Else: What Is Your Roof Actually Sitting On?

Here’s something most roofers won’t volunteer — and it’s the single most important factor in any roof replacement project. What condition is the wood underneath your current roofing system in?

A lot of Toronto homes, especially in older established neighbourhoods, are still sitting on the original board substrates from when the house was built. We’re talking 80, 90, sometimes 100-year-old planks of wood that have been through decades of freeze-thaw cycles, moisture infiltration, pest activity, and general aging. And here’s the thing — you can put the best, most expensive Roof Shingles money can buy on top of rotted, deteriorating, or unstable boards, and that roof is already compromised before the crew packs up and leaves.

Think about it this way: would you replace every single component on an engine without replacing the engine block? Of course not. The whole rebuild rests on the integrity of that block. Your wood substrate is the engine block of your roofing system.

At minimum, 100-year-old board substrates need to be resheethed — that means installing new plywood overtop of the existing boards to create a new, solid, stable foundation for your new roofing system. A proper resheet gives your roof something solid to bite into. It gives your nails and fasteners something that holds. It gives your ice-and-water shield something to adhere to properly. Without it, you’re building on sand.

Before any roof replacement quote is finalized, ask your contractor specifically: What is the condition of my substrate? Will I need a resheet? Get this in writing. Any experienced roofer worth their salt will inspect the substrate before pricing the job — and if they’re not mentioning it at all, that’s a red flag.


Your Neighbourhood Matters More Than You Think

Where you live in Toronto should directly influence how your new roof is built — and what goes into it.

If you’re in a mature neighbourhood like Leaside, Lawrence Park, Rosedale, or The Annex — areas with beautiful old trees lining every street — you need to be thinking seriously about wildlife. Raccoons in Toronto are basically landlords with fur. They are strong, they are persistent, and they have been known to peel back Soffit, rip open Roof Vents, and force entry through any weak point in your roofline. Squirrels are the same — relentless, agile, and endlessly patient about finding that one gap where fascia meets the roof deck.

If your last roof had a wildlife entry problem, that problem did not solve itself. You need to address it in your new roof — reinforced soffit, heavy-duty vent covers, proper flashing around all penetrations, and tight seals everywhere. Don’t just replace what was there. Improve on it. Because if you put back the same setup that a raccoon already beat once, you already know how that story ends.

If you’re in a lower-lying area, near the lake, or in a neighbourhood that’s experienced flooding — and after Toronto’s July 2024 flash flood event that caused nearly $940 million in insured damage, a lot of homeowners are thinking about this — your drainage system is just as important as your roofing system. Are your Eavestrough properly sloped and draining? Are your downpipes directing water well away from your foundation? Is your Flat Roof membrane draining correctly to the drains, with no ponding? A new roof paired with a failed drainage system is a ticking clock.


Asphalt Shingle Roof Replacement: What You Need to Know

Asphalt Shingle Roofs are the most common roofing system in Toronto, and they remain the most cost-effective option for residential homes. But not all shingles are created equal — not even close.

What Does It Actually Cost?

In 2026, a standard Asphalt Shingle Roof replacement in Toronto typically runs between $7,000 and $20,000+ for an average residential home, depending on size, roof pitch, complexity, number of layers being removed, and material quality. That’s a wide range — and the difference between the bottom and top of that range is significant.

Basic 3-tab shingles are the cheapest option. They’re also the thinnest, the least wind-resistant, and the shortest-lived. You might get 15 to 20 years out of them in Toronto’s climate — and that’s optimistic. Architectural (laminated) shingles are a step up in every way — thicker, better wind ratings, longer lifespan, better curb appeal. And then there are SBS Modified Asphalt Shingles — the top of the residential shingle world right now. These are infused with rubber polymers that keep them flexible in extreme cold, resistant to cracking through our freeze-thaw cycles, and far more impact-resistant in hail and windstorms. Some insurance companies are now offering premium discounts for homes with Class 4 SBS-rated roofs — that’s real money back in your pocket.

My advice? Don’t buy the cheapest shingle. Buy the best shingle your budget can support. Because the shingles are not the only cost in a roof replacement — the labour, the tearoff, the disposal, the underlayment, the ice-and-water shield, the ventilation — all of that is the same whether you buy the basic or the premium shingle. The upgrade from standard to premium shingle is often a fraction of your total project cost, and it adds years of life and peace of mind.

What Else Goes Into a Proper Shingle Roof Replacement?

This is where a lot of low-ball quotes fall apart. A proper Shingle Roof Replacement is not just shingles. It includes proper ice-and-water shield — not just at the eaves, but ideally across the entire roof deck. It includes quality synthetic underlayment. It includes proper step flashing and counter-flashing at chimneys and walls. It includes proper valley flashing. It includes a proper ventilation system — because if your attic isn’t breathing correctly, you will get ice dams in the winter and excessive heat buildup in the summer that degrades your shingles from the inside out.

Is your attic unbearably hot in August? Are your heating and cooling bills higher than they should be? These are signs of poor attic ventilation — and a roof replacement is the perfect time to fix that properly, not just slap new shingles on top of the same problem.


Flat Roof Replacement: Don’t Cut Corners Here

Flat Roofs are everywhere in Toronto — on commercial properties, on row houses, on additions, on garages, on low-rise condos. And Flat Roof replacement is a very different animal from Shingle Roof replacement. The stakes are higher, and the margin for error is smaller, because water has nowhere to go on a flat surface if the membrane fails.

What Does It Actually Cost?

A standard Flat Roof replacement on a 1,000 square foot surface in Toronto typically runs between $10,000 and $50,000, depending on the system chosen and what’s found during tear-off. There are three main systems we use: EPDM (rubber membrane), SBS Modified Bitumen, and TPO/PVC. Each has its strengths depending on the property, the climate exposure, and the drainage situation.

The Hidden Problem With Flat Roofs

Here is something I want every Flat Roof owner to understand before they get a quote: surface inspections on a Flat Roof will often miss what’s really going on underneath. Moisture can travel a significant distance under a membrane before it ever shows up as a visible leak. Insulation can be completely saturated — holding litres of water like a sponge — and look completely normal from the surface. The substrate underneath can be rotted and soft.

This is why a proper Flat Roof replacement quote is only finalized after full tear-off and inspection. Any contractor quoting you a firm price on a Flat Roof without specifying what happens if they find damaged substrate, wet insulation, or structural issues — is setting you up for a nasty surprise mid-project. Ask specifically: What is included if you find damaged decking? What is the cost per sheet of additional plywood? These are not gotcha questions — they’re the questions any experienced roofer expects.

Also: does your Flat Roof drain properly right now? Are there areas where water sits and ponds after rain? Ponding water on a Flat Roof is the fastest way to shorten the life of any membrane. A proper replacement includes addressing the drainage — the slope, the drains, the scuppers — not just the surface.


Slate Roof Replacement: The Luxury Option That Lasts a Lifetime

If your Toronto home has Slate Tiles, you are living under one of the finest roofing materials ever made. A properly maintained Slate Roof can last 75 to 100 years — sometimes more. Many of Toronto’s most beautiful heritage homes in Rosedale, Forest Hill, and Cabbagetown are still wearing their original Slate from the early 1900s.

What Does It Actually Cost?

Slate Roof replacement is a premium investment. Expect to pay in the range of $55 to $150+ per square foot depending on the type of slate, the pitch of the roof, and the complexity of the job. For most Toronto heritage homes, a full Slate Roof replacement can run from $25,000 to well over $100,000.

I know that sounds like a lot. But consider this: if a properly installed Slate Roof lasts 75 to 100 years, you are quite literally installing your last roof. Your kids might inherit that roof. The math over the long term is actually very favourable compared to replacing an Asphalt Shingle Roof every 20 to 25 years.

Slate is Not Forgiving of Mistakes

Slate Roof work is specialized. The materials are heavy. The installation requires specific knowledge of how Slate behaves — how it expands and contracts, how it overlaps, how it flashes. Not every roofer should be working on a Slate Roof. Ask specifically how many Slate Roof replacements a contractor has completed. Ask to see photos of previous work. Ask about their experience with Toronto’s heritage properties and building permit requirements. Right Choice Roofing and Repair has been working on Slate Roofs since 2007 — it’s one of the services I’m most proud of, and we offer a 15-year workmanship warranty on Slate Roof replacements because we stand behind the work completely.


Price Is Not Value: The Most Important Section of This Entire Post

Here is something I want to say clearly, because I genuinely care about every person who reads this.

When I need to buy something I don’t fully understand — a new piece of equipment, something technical, something I’m investing real money in — I research it. I go on YouTube. I search the web. I talk to people who know. I do all of this because I want to make an educated decision. I’m not looking for the cheapest option. I’ve always said — and I believe this completely — you get what you pay for.

Yes, a quality roof investment hurts in the moment. It’s a real number. But once it’s done right, it’s yours. No one can take it away from you. And you won’t be thinking about it every time heavy rain comes, or every time a big storm rolls through, or every time you spot a raccoon eyeing up your soffit.

Be wary of salespeople who don’t take time with you. Who can’t answer your questions. Who won’t provide an itemized, detailed quote that breaks down exactly what you’re getting. A detailed quote is a sign of a contractor who knows exactly what they’re doing and is not hiding anything. A vague quote — just a total number and a few lines of description — is a sign of a contractor who either doesn’t know what the job requires, or is planning to figure it out as they go.

I understand completely what it feels like to sit across from a contractor talking about something you don’t fully understand. It’s uncomfortable. It can feel like everything they say is in a different language. All you want is the right solution, for the right job, at the right price, from someone honest and experienced who you know has got you covered. That’s what I’ve been providing since 2007. That’s what every one of my clients deserves.

Credentials matter. Ask if your roofer is BBB Accredited. Ask if they’re listed on TrustedPros. Ask for their Google reviews. A 4.9-star rating built over years and hundreds of reviews is not luck — it’s a track record.


The Right Choice Roofing and Repair Approach: What You Get

At Right Choice Roofing and Repair, every project starts with an honest, thorough inspection — not just of the surface, but of the substrate, the ventilation, the drainage, and the surrounding areas where problems could originate. We don’t just sell you a roof. We talk to you about what your roof actually needs.

Our warranty structure is built on confidence in our work. We offer a 2-year workmanship warranty on repairs, a 10-year workmanship warranty on Shingle and Flat Roof replacements, and a 15-year workmanship warranty on Slate Roof replacements — all backed by our reputation since 2007.

We serve residential and commercial clients across Toronto and the surrounding areas. Whether you’re a homeowner in Leaside with a 100-year-old Slate Roof, a commercial property owner in Etobicoke with a 3,000 square foot Flat Roof that’s been leaking for two seasons, or a family in East York who just lost shingles in a windstorm — we’re the team that shows up, tells you the truth, and gets it done right.

Call us at 416-651-8111 or visit rightchoiceroofing.ca to book your inspection today.


✅ Real News. Real Damage. Real Reason to Act — What’s Happening to Toronto Roofs Right Now

The March 2025 Ontario Ice Storm: $342 Million in Insured Damage Source: Global News URL: https://globalnews.ca/news/11157215/major-ice-storm-causes-342m-in-insured-damages-across-ontario-and-quebec/

This is the real Global News article covering the devastating March 28–31, 2025 ice storm that swept through Ontario and Quebec. The Catastrophe Indices and Quantification Inc. estimated the ice storm caused approximately $342 million in insured damage, with more than one million homes and businesses in Ontario losing power. Global News This is a credible, major Canadian news outlet and directly backs up what you wrote in the blog about storm damage making a good roof critical.

Toronto’s July 2024 Flash Flood: Nearly $1 Billion in Insured Damage Source: Insurance Bureau of Canada (IBC) — Official Press Release URL: https://www.ibc.ca/news-insights/news/july-flash-floods-in-toronto-and-southern-ontario-caused-over-940-million-in-insured-damage

This is the official Insurance Bureau of Canada announcement — as credible and authoritative as it gets. The intense flash flooding that occurred in Toronto and other parts of southern Ontario between July 15–16, 2024 is estimated to have caused over $940 million in insured damage, according to Catastrophe Indices and Quantification Inc. Insurance Bureau of Canada This backs up your drainage and eavestrough points perfectly.

CBC News: “A Perfect Storm for Ice Damming” — Roofers Overwhelmed Across Ontario Source: CBC News URL: https://www.cbc.ca/news/canada/london/roofers-warn-of-a-perfect-storm-for-ice-damming-as-thaw-leads-to-water-damage-in-homes-1.7467622

This is a CBC News article from February 2025 — as mainstream and trusted as Canadian media gets. Roofers in southwestern Ontario were overwhelmed with calls from homeowners experiencing major water damage as snow and ice melted, with one roofer describing it as “a perfect storm for ice damming” due to an extended period of cold weather coupled with heavy snow. CBC News The article also confirms what you say about older homes being most at risk due to poor insulation and ventilation.

Toronto’s Raccoon Problem: Real Wildlife Roof Damage Stories Source: Skedaddle Humane Wildlife Control — Toronto Blog URL: https://www.skedaddlewildlife.com/location/toronto/blog/raccoon-damage-to-roofs-what-homeowners-need-to-know/

This is a detailed, Toronto-specific article from a well-known local wildlife company covering exactly what you talked about — raccoons targeting weak rooflines, ripping through soffit, damaging shingles, contaminating insulation, and creating fire hazards through chewed wiring. It’s recent (March 2025) and directly relevant to the wildlife section of your post.

Ontario Roofing Trends 2026: SBS Shingles, Ventilation & What Homeowners Are Demanding Source: Ontario Tech Roofing — Industry Blog URL: https://www.ontariotechroofing.com/roofing-trends-for-2026-the-trends-defining-ontario-homes/

This is a current 2026 industry article that backs up your SBS shingle recommendations and the whole-system approach you preach. Following major windstorms and flash-freezing events of the mid-2020s, roofing quotes in Ontario rarely focus just on shingles anymore — peel-and-stick underlayment covering the entire roof deck and high-wind-rated shingles are now standard requests from homeowners. Ontariotechroofing

Real Questions. Honest Answers. Everything Toronto Homeowners Ask Before Replacing Their Roof

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How do I know if I need a full roof replacement or just repairs?

This depends on the age of your roof, how widespread the damage is, and what's happening underneath the surface. If your Asphalt Shingle Roof is over 20 to 25 years old and you're seeing multiple issues — curling, cracking, granule loss, recurring leaks — replacement is almost always the better long-term investment. If your roof is younger and the damage is localized, targeted repairs may be all you need. The honest answer is: you won't know for certain until an experienced roofer does a proper inspection, including looking at the substrate. That inspection is what we provide before we quote anything.

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Why are roofing quotes so different from one company to another?

Because not every quote includes the same things. A low quote might be excluding the resheet, using cheaper underlayment, skipping proper flashing work, using lower-grade shingles, or simply not accounting for what's under the surface. When you compare quotes, ask each contractor to break down exactly what is included — materials, labour, tearoff and disposal, substrate assessment, ventilation work, warranty. A properly detailed, itemized quote is the only quote you can meaningfully compare.

K
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Does my homeowner's insurance cover roof replacement?

Most Ontario homeowner's insurance policies cover sudden, accidental roof damage — storm damage, falling trees, ice events. What they typically don't cover is gradual wear and tear, age-related deterioration, or damage resulting from poor maintenance. The key is documentation — photograph everything immediately after a weather event, contact your insurer promptly, and don't allow any permanent repairs until your adjuster has assessed the damage. Working with a contractor experienced in insurance-related roofing work can make a significant difference in how your claim proceeds.

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What should I do about wildlife damage to my roof?

Wildlife damage needs to be treated as urgent — not because of what's already happened, but because of what happens next. Raccoons and squirrels return to the same entry points. Once they've found a way in, they'll use it repeatedly, widening it each time. A wildlife entry repair is not just about closing the hole — it's about reinforcing the entire vulnerable area so it cannot be reopened.

This is where Right Choice Roofing and Repair is different from every other roofing company in Toronto. We are a full service wildlife removal and roof repair operation — one call, one company, one solution. We remove the animal, we repair the damage, and we reinforce your roofline so it doesn't happen again. No coordinating between a wildlife company and a roofer. No waiting for two separate crews. No double billing. Just one experienced team that handles the whole thing from start to finish.

When replacing your roof, we build wildlife deterrents right into the new system — heavy duty vent covers, reinforced soffit, proper flashing around all penetrations. Because the best wildlife repair is the one that makes sure you never have to deal with it again.

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How do I choose a roofing contractor I can actually trust?

First, look at verified reviews — Google, HomeStars, TrustedPros. A 4.9-star rating built over years and hundreds of clients tells a story that a salesperson cannot. Second, ask for a detailed, itemized written quote — not just a number. Third, ask specifically about their experience with your type of roof, your neighbourhood, and the issues you've had in the past. Fourth, ask about their warranty — workmanship warranty specifically, not just the manufacturer's material warranty. Fifth: if a contractor is rushing you, not answering your questions, or steering every conversation back to price without addressing your concerns — trust your gut and walk away.

Toronto's Most Trusted Roofer Is One Call Away — Let's Get It Done Right

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Toronto Roofing scams alert – A roof leak does not wait. It shows up during a rainstorm, at two in the morning, and the first thing most people do is grab a phone and start calling roofers. That is the exact moment Toronto Roofing scams happen. That is also the moment overpriced, unfair contracts get signed at kitchen tables.

Here is the part most Toronto homeowners do not realize — the Province of Ontario has already built a comprehensive, legal framework specifically to protect you. It covers Roofing Scams, unsafe job sites, fraudulent deposits, and contracts that are designed to fall apart in court. All of this protection sits on a single page at Ontario.ca: Hiring a roofer, with a related guide at Your rights when starting home renovations or repairs. Almost nobody reads them.

I have been roofing in Toronto since 2007. Over the years, I have watched homeowners get burned in ways that could have been prevented with five minutes of reading. So let me walk you through what the Province actually says, why it matters, and how to use it before the next storm rolls in.

The Numbers Behind the Problem

In one recent reporting year, Ontario received roughly 1,600 complaints about home renovation services. About 21% of those involved roofers. That is not a small percentage. It tells you something important — roofing has more consumer complaints than almost any other home improvement category in the province.

The reason is simple. Roof work is urgent, technical, and hidden. Most homeowners cannot see what is going on up there. That information gap is exactly what predatory operators count on.

The 2024 Numbers Are Even Worse

The latest BBB Scam Tracker Canada Risk Report ranks home improvement scams as the third riskiest scam type reported in Canada. The median reported loss is $1,500. The susceptibility rate — meaning the percentage of people who lose money once they engage with one of these scams — sits at 83.9%.

An Ontario-specific homeowner survey shows even sharper numbers. About 32% of Ontario homeowners say they have been victims of a renovation scam. Roughly half know someone who has. One in five reported being threatened or intimidated.

On top of that, the Canadian Anti-Fraud Centre logged $219 million in reported fraud losses in Ontario in 2024 alone, across 15,855 reports. The real number is much higher. Statistics Canada estimates only about 11% of fraud victims ever file a police report.

Recent Toronto Cases

This is not theoretical. Police have laid charges in several recent local cases:

In April 2026, Toronto Police charged a Brampton man after two elderly homeowners were defrauded by men posing as City of Toronto contractors. The victims paid for fake “roof repairs,” “mandatory backyard clean-ups,” and “emergency home repairs.”

In Ajax, a homeowner paid $18,000 to a roofing crew. The crew then demanded another $50,000 to “finish” the work. The company was not legitimate. In another Toronto-area case, three people were charged after two victims allegedly lost a combined $296,000 in a home-renovation fraud involving mortgage funds and bank drafts.

Toronto Police also recently identified an elaborate roofing scam in which a fraudulent contractor escalated charges over months and even sent in a fake “Interpol officer” to pressure the victim. That scam ran into the tens of thousands of dollars.

These are not isolated incidents. They are the pattern.

Section 1 — Know the Risks Before Anyone Climbs Your Roof

The first section of the Ontario guidance is called “Know the risks.” Before any work starts, you need to understand what you are signing up for, both financially and legally.

Read the official Province of Ontario guidance here: Know the risks when hiring a contractor.

Homeowner Liability — The Part That Catches People Off Guard

This is the single most critical legal point in the entire Ontario framework. If a worker gets hurt on your roof, the financial fallout can land on you, the homeowner — not the contractor.

This happens if:

The contractor does not carry valid Workplace Safety and Insurance Board (WSIB) coverage.

The contractor does not have sufficient general liability insurance.

The WSIB Requirement

Roofing is high-risk work. Under Ontario law, almost all construction employers, including roofing companies, must have WSIB coverage for their workers. This insurance system provides benefits to workers injured on the job and, importantly, protects the employer and the person who hired them (you, the homeowner) from being sued over the injury.

You must require that your roofer provides a valid WSIB Clearance Certificate before they start work. This document proves that their WSIB account is in good standing. You can even use the WSIB’s free Check a Clearance online tool to verify a business’s status in real time.

Legality Note: The Ontario guidance on Hiring a roofer explicitly warns homeowners that they “could be held liable if a worker is injured on your property” if the proper coverage isn’t in place. The WSIB’s own policy confirms that starting construction work without a clearance is an offence for both the principal (the homeowner) and the contractor. The clearance is valid for up to 90 days and must remain in effect for the entire job.

The Role of Liability Insurance

While WSIB covers worker injuries, general liability insurance covers damage to your property (like a fallen ladder smashing a window) or your neighbour’s property. Most reputable Ontario roofers carry at least $2,000,000 in Commercial General Liability coverage. Always ask for a copy of their insurance certificate and ensure the policy is active. A legitimate roofer will hand these over without hesitation. If they stall, that is your answer.

Hidden Roof Defects That Quietly Wreck Houses

An honest roof inspection looks for what is wrong underneath, not just what is visible from the ground. A sloppy, predatory contractor will slap new shingles or a new Flat Roofing membrane right on top of failing materials. The leak comes back. So does the rot.

Here are the hidden defects I find most often on Toronto homes:

Soft Roof Decking: Plywood or original Tongue-and-Groove board sheathing that has rotted from years of slow leaks.

Failed Plumbing Vent Flanges: Old rubber boots that should have been swapped out for heavy-gauge aluminum High Dome Plumbing Exhaust Flanges.

Crumbling Chimney Masonry: Deteriorating brick and clay flues that funnel water straight past the Counter Flashing.

Rusted Step Flashing: Old galvanized flashing that should have been replaced with copper flashing.

These problems are invisible from the curb. A real Roof Repair starts with finding them, not covering them up.

Section 2 — Research Roofing Contractors the Right Way

The Province’s second step is to research contractors before hiring. The official guidance is on the same page, and there are several dedicated tools you should be using.

Read the official Province of Ontario guidance here: Researching a roofing contractor.

Use the Consumer Beware List Before You Make a Phone Call

This is a free, powerful public tool that almost no one uses. The Province of Ontario maintains the Consumer Beware List, a searchable public database of businesses that have been the subject of a consumer complaint, charge, or conviction under Ontario’s consumer protection laws.

Use this tool before you sign anything: Search the Consumer Beware List.

You should search for any company you are considering. A business on this list has a history of unresolved issues. Postings stay on the list for between 21 and 27 months, so the record is recent and relevant. When searching, try multiple variations of the business name, as some operators rebrand frequently to hide a bad record.

It is also worth reading recent charges and convictions under the Consumer Protection Act and checking the Better Business Bureau for complaint history.

Get Three Quotes — Itemized, in Writing

Ontario explicitly recommends getting detailed, written quotes from at least three different contractors.

Written, not Verbal: Never rely on “napkin numbers” or verbal estimates. Under the Consumer Protection Act, 2002, a contract must be a written document.

Itemized, not Lump-Sum: A quote that simply says “supply and install new roof” for $15,000 is a red flag. A proper, itemized quote breaks down all costs, including:

Labour and Materials (e.g., specific brand of shingle, underlayment, etc.)

Underlayment type (ice and water shield, synthetic, etc.)

Flashing replacement (step, counter, and chimney)

Ventilation systems (plumbing, ridge, or dome vents)

Disposal and dump fees

Any permits needed

Pro Tip: Under the Consumer Protection Act, a company cannot charge you more than 10% above the estimated cost unless you agree to new work at a new price. An itemized quote makes this protection much easier to enforce. Read more about Your rights when starting a home renovation.

Stick With Local Toronto Businesses

The Province specifically recommends hiring local. A real Toronto roofer, like Right Choice Roofing and Repair, has a physical office, a verifiable history in the city, and references you can actually drive past. Out-of-town operators who chase storms across Ontario tend to disappear the moment something goes wrong.

Toronto-Specific Licensing

In Toronto, building contractors are also subject to municipal licensing through the City’s Municipal Licensing and Standards Division. You can verify a business licence directly through the City’s Business Licence Lookup. My company holds Metro Licence #B2-1086.

Section 3 — Check References Like You Are Buying a House

The third step is reference checking. Most homeowners skip this entirely, or they ask one or two generic questions and call it done. The Province’s own instructions are more thorough.

Read the official Province of Ontario guidance here: References and checking the contract.

Match the Reference to Your Type of Roof

This is the critical detail nobody talks about. A contractor who installs asphalt shingles in a modern subdivision may not be qualified to repair a 1910 Slate Roof in Wychwood Park. Different materials require entirely different skill sets.

You must ask for references on roofs that are functionally identical to yours.

If you have a historical home, ask for references on Slate Roofing.

If you have an addition or a commercial building, ask for Flat Roofing references.

For heritage homes, confirm the contractor is skilled in working with copper flashing, century-old sheathing, and deteriorating chimney masonry.

The Questions That Actually Tell You Something

When you call references, do not just ask “were you happy?” Ask specific, performance-based questions:

Did the project finish on the original quoted price? If not, why?

Did anything get damaged during the work (gutters, garden beds, driveway)?

Was the site cleaned up properly each day? Were nails swept with a powerful magnetic sweep before crews left?

Would you hire this contractor again?

Also ask for references both from the recent past and further back in time. Sometimes problems do not show up for a year or more — exactly the kind of timeline the Province itself warns about.

Section 4 — Ask About Worker Safety

The fourth section deals with worker safety, an issue that can directly affect your liability as a homeowner. The Province of Ontario states you should ask these questions.

Read the official guidance here: Ask about worker safety on the Hiring a Roofer page, with a deeper resource on training at Training for working at heights.

The Three-Metre Rule and Working at Heights

Under Ontario Regulation 297/13 (Occupational Health and Safety Awareness and Training), any worker on a construction project who could fall more than three metres (about 10 feet) above the ground must use an approved fall protection system. The companion regulation, O. Reg. 213/91 (Construction Projects), sets out the technical fall protection requirements.

Since April 2017, all workers on construction projects who use any method of fall protection must hold a valid, Chief Prevention Officer (CPO)-approved Working at Heights training card. The training is roughly 8 hours, must include hands-on practical components, and the card is valid for three years before requiring a refresher.

That card matters in Toronto specifically. Many of our homes — especially the heritage stock in Lawrence Park, Moore Park, Forest Hill, and Rosedale — sit well over three metres off the ground.

You can find approved training providers and check if a worker’s card is valid through the Province’s official Working at Heights resource page.

What to Ask Before Anyone Sets Foot on a Ladder

You must explicitly ask the contractor:

Are all your workers WSIB-covered?

Do they all hold current Working at Heights training cards?

Will they be using harnesses, lanyards, and certified anchor points throughout the entire job?

A real, professional contractor will answer all of these questions with direct, confident proof.

Section 5 — Build a Contract That Actually Holds Up

This is the most important section in the entire Ontario framework. Roofing contracts protect you — but only if they are written properly and comply with provincial law.

Read the official Province of Ontario guidance here: Create a contract. The primary law governing this is the Consumer Protection Act, 2002.

The 10-Day Cooling-Off Period — Your Most Powerful Right

This is the protection that “storm chasers” and door-to-door scammers fear most. If you sign a roofing contract worth $50 or more inside your home (e.g., at your kitchen table), Ontario’s Consumer Protection Act automatically gives you a 10-day cooling-off period.

During those 10 calendar days, you can cancel the contract for any reason, without penalty. No fee, no questions, no explanation required. This rule is designed to counteract high-pressure sales tactics.

Read your official cancellation rights here: Your rights when you limit or cancel a contract. You can also review the full rules in the Province’s Door-to-door sales and home service contracts guide.

What Every Roofing Contract Must Include

To be legally compliant and protect you effectively, a contract must spell out:

The contractor’s full business name, physical address, and contact details.

A comprehensive description of the work to be completed.

A complete list of all materials to be used, including specific brands and qualities.

The total cost, with a complete itemized breakdown (materials, labour, disposal, taxes).

The deposit amount and the payment schedule (e.g., “50% upfront, 50% upon final completion”).

Explicit start and completion dates, and how any delays will be handled.

A detailed statement of all warranties (both materials and workmanship).

Who is responsible for the cleanup and disposal of all debris.

If a contractor refuses to put any of these items in writing, do not sign the contract. A real contractor, like Right Choice Roofing and Repair, will provide a complete, transparent contract and review it with you before any work begins.

Warranty Wording — Read It Before You Sign It

Roofing warranties are often complex.

Manufacturer Warranties: Warranties on shingles or membranes often require that the installer be certified by the manufacturer. If the contractor is not certified, the manufacturer’s warranty may be void.

Workmanship Warranties: This is the contractor’s own guarantee on their labour. My warranties are 5 years on a Roof Repair, 10 years on a complete shingle or Flat Roof replacement, and 15 years on full Slate Roof replacements — all written into every contract.

Read more about your rights here: Returns, exchanges and warranties.

A Note About Tarion

This is a confusion I hear all the time. Tarion is Ontario’s warranty program for newly built homes. It is administered under the Ontario New Home Warranties Plan Act. Tarion does not cover work done on an existing home by a regular roofing contractor. If your roofer suggests otherwise, that is a problem.

Tarion does, however, cover certain roof issues on new builds — including major structural defects in the roof structure for up to seven years from possession.

Section 6 — Spotting a Roofing Scam Before It Costs You

The sixth section in the Ontario guide covers the common warning signs of fraud.

Read the official Province of Ontario guidance here: Spot a scam. You can also review the broader list of Common home renovation scams.

The Storm Chaser Knock

After a windstorm or hailstorm hits Toronto, out-of-town crews flood the city. They knock on doors, using a well-worn script: “We were just in the area and noticed some damage on your roof.” They may show you blurry photos of damage that isn’t even from your home. This is a tactic used to secure high deposits for work that is often either never done, done poorly, or balloons in price.

The Toronto Police Service Fraud page warns that these scammers often “find plausible reasons for consumers to give them money and will either deliver shoddy work or no work at all.”

The Wildlife Damage Inflation Scam

Raccoons and squirrels are a very real problem in Toronto. They often chew through aged Soffits, Roof Edges, and gutter corners to nest in attics. This is genuine damage that must be fixed.

The scam is when a roofer takes a single entry hole and claims your entire roof needs to be replaced immediately, at a cost of $20,000+. The actual fix, including proper reinforced exclusion work, might be $1,500. Always ask for clear photos of the damage. For wildlife issues, contact a licensed wildlife removal company to coordinate the repair.

Cash-Only and Tax-Free “Deals”

A contractor who demands cash, refuses to provide a receipt, or offers to waive the taxes is asking you to waive your legal protection. No receipt means no proof of payment, and no HST registration means no registered business entity. Both are major red flags that strip you of your rights under the Consumer Protection Act.

The Escalating “We Found Another Problem” Scam

This one has become the most common in Toronto over the past two years. A crew starts a $4,000 repair. Once they are on your roof, they suddenly find “rotten decking,” “termite damage,” “structural cracks,” or some other invented issue. The price jumps to $20,000, then $40,000.

In one recent Scarborough case, a senior lost $80,000 to exactly this scam. In another, a homeowner paid $40,000 after a “free inspection” turned into a multi-day extraction. Watch for escalation. Watch for pressure. Watch for crews who refuse to stop work for a second opinion.

The Fake Authority Scam

Some operators now pose as City of Toronto inspectors, building officials, or even fake “Interpol officers” to pressure homeowners. The City of Toronto does not send unsolicited workers to your door to perform repairs. Neither does WSIB. Neither does any utility company. If someone shows up claiming this kind of authority, ask for photo ID and call the agency directly to verify.

Section 7 — Filing a Complaint Against a Roofer

If a roofer takes your money, abandons the job, or refuses to honour their contract, you are not out of options.

Read the official guidance here: File a complaint against a roofer, and find the full complaint process at Filing a consumer complaint.

Start With a Formal, Written Notice

Before escalating to the Province, send the contractor a formal written notice of complaint. Document every single problem clearly — what was promised, what was delivered, what is still wrong. Give them a clear, reasonable deadline to fix the issue. Keep copies of this correspondence.

Use this official tool from the Province to help draft your letter: Ontario’s Notice of Alleged Violation of the Consumer Protection Act.

Most reputable contractors will respond once they receive a formal written complaint.

What Happens When You Escalate

If the contractor fails to respond to your written complaint, you can then file a formal complaint with Consumer Protection Ontario (CPO). You can submit a complaint online here, or by email at consumer@ontario.ca. You can also call:

1-800-889-9768 (toll free)

416-326-8800 (Toronto area)

CPO is a government body that:

Invites the business to respond to your complaint.

Attempts to mediate a solution.

Ensures the complaint is tracked in the business’s complaint history.

If the contractor refuses to cooperate, the Ministry can lay formal charges under the Consumer Protection Act. The business may then be added to the public Consumer Beware List, visible to all future customers. Under the Act, a guilty individual can be fined up to $50,000 or sentenced to up to two years less a day in prison.

Report Fraud to the Police and CAFC

If the work has moved past a contract dispute and into outright fraud — fake contractors, fake invoices, demands for cash drafts — you should also report it directly:

Toronto Police Service Online Reporting for fraud over $5,000 or any criminal activity.

The Canadian Anti-Fraud Centre at 1-888-495-8501 or through their online reporting system. Even if you didn’t lose money, reporting helps police track patterns.

Small Claims Court

For unresolved monetary disputes, Ontario’s Small Claims Court is your most accessible option. As of October 1, 2025, the Small Claims Court monetary limit increased from $35,000 to $50,000. That covers the vast majority of residential roofing disputes.

You can file directly online through the Small Claims Court online filing system. The procedures are designed to be navigable without a lawyer.

A Special Note on Toronto Building Permits

This question comes up on every job. Do you need a building permit to replace a roof in Toronto?

The City of Toronto’s official answer is on its When Do I Need a Building Permit page. The short version:

No permit required: Re-roofing your existing home with the same material (e.g., shingles for shingles, slate for slate), as long as no structural changes are involved and the new material does not add more than the equivalent of three layers of asphalt shingle to the dead load on the roof.

Permit required: Any structural alterations — adding a dormer, raising a roof, changing the slope, converting an attic, or removing rafters. Also required for major changes to the roof structure during an addition.

If you live in a Heritage Conservation District — more on that below — additional permits apply even for like-for-like material replacements visible from the street.

If You Live in a Heritage Conservation District, Read This

Toronto has more than 20 active Heritage Conservation Districts. If your home is in one — and many of the most beautiful, historic Toronto neighbourhoods are — your roofing project may require a separate Heritage Alteration Permit under Part V of the Ontario Heritage Act.

The Heritage Conservation Districts most affected by roofing projects include North Rosedale, South Rosedale, Forest Hill, West Annex, Wychwood Park, Cabbagetown, Yorkville-Hazelton, Spadina Garden District, parts of Leaside, and Lawrence Park.

Read the City’s full guide here: Heritage Permit Guide – City of Toronto.

A heritage permit is free. Most minor heritage permits are approved within a week. However, this permit is separate from a Building Permit. If your project requires both, they are processed in parallel.

The Toronto Heritage Grant Program — Money on the Table

Here is something almost nobody knows about. The City of Toronto offers a Heritage Grant Program that covers up to 50% of the cost of slate roof repair or restoration, to a maximum of $20,000.

This is a real grant available to property owners whose homes are designated under the Ontario Heritage Act or contribute to a Heritage Conservation District. The grant also covers eavestrough and downspout work in copper or zinc-coated copper when it is part of a comprehensive slate roof restoration.

If you own a slate-roofed home in any of Toronto’s HCDs, this grant alone can change the math on whether to repair or replace. Applications are typically due in early November each year.

Why This Matters Beyond Just Hiring a Roofer

This legal framework shapes how you should think about your property, your investment, and your liability as a Toronto homeowner.

For Homebuyers and Real Estate Agents

If you are buying a home in Toronto, the roof matters more than most people realize. Standard home inspections often miss critical defects, such as cracked Slate tiles, failing Flat Roof seams, and hidden roof decking rot. Before closing, demand that the seller produce all written records of recent roof work, including contracts, warranties, and contractor certifications. A house with no roof “paper trail” is a house with a huge question mark on top of it.

For new builds, ask whether the home is covered by Tarion and what year of warranty coverage remains. The seven-year structural warranty includes the roof structure.

For Sellers Preparing a Home for Market

A documented Roof Repair history adds verifiable value to your property. Smart buyers and agents are now asking for receipts, warranties, and contractor licences before signing offers. Collect all your records — invoices, before-and-after photos, warranty certificates — and sell from a position of confidence.

For Landlords, Investors, and Property Managers

Commercial Flat Roofing and multi-unit residential properties carry severe extra liability. If a worker is hurt on a property you manage and the contractor is not properly insured, your exposure is significant. You must vet every contractor through the Consumer Beware List, demand WSIB clearance certificates, and never accept a verbal quote on an income-producing property.

A Quick Reference Checklist Before You Sign Anything

Before you hand over a deposit or sign a contract, walk through this short list:

Searched the Consumer Beware List for the company name and the owner’s name.

Checked the Better Business Bureau for complaint history.

Verified a valid WSIB Clearance Certificate.

Confirmed valid Commercial General Liability insurance of at least $2 million.

Confirmed all workers hold valid Working at Heights cards.

Verified the City of Toronto business licence.

Received three written, itemized quotes from local Toronto contractors.

Reviewed at least three references on jobs identical to yours.

Signed a written contract that meets every requirement under the Consumer Protection Act.

Kept the deposit at 10% or less.

Confirmed warranties in writing — both materials and workmanship.

If your home is in a Heritage Conservation District, confirmed Heritage Alteration Permit status.

If you cleared every one of those before signing, you are about 95% protected from the problems I see every season.

Final Thoughts — Prevention Always Beats Repair

Toronto roofs take a beating. Our weather features constant freeze-thaw cycles, winter ice dams, lake winds, and extreme snow loads on Flat Roofs. The good news is that almost every disaster I see could have been avoided with a better hiring decision.

The goal of this entire guide isn’t to scare anyone. It’s to ensure you know about the powerful, legal protections that already exist for you in Ontario. A homeowner who uses these tools almost never gets burned.

Bookmark this page. Share it with anyone you know who is planning roof work, buying a home, or selling one. Every link in this article is a real resource you can use today, before the next storm rolls in.

Thanks for reading.

Frank

Owner, Right Choice Roofing and Repair

About Frank Gillis-Right Choice Roofing and Repair

I’m Frank Gillis, owner-operator of Right Choice Roofing and Repair. I’ve been roofing in Toronto since July 2007. Every job that leaves my truck is one I personally complete from start to finish. No subcontractors. No crews you’ve never met showing up at your door. Just me, doing the work I quoted, the way I promised.

I built this business on the exact opposite of everything you just read about. No door-knocking. No high-pressure sales pitches. No vague verbal estimates. No cash-only deals. No vanishing acts after a deposit clears. If you call me, you get a real Toronto roofer with a real Toronto address, a real Toronto phone number, and a track record you can verify in five minutes.

Verified, Documented, and Legally Compliant

Everything the Province of Ontario tells you to ask for, I provide before you ever sign a contract:

WSIB Coverage: WSIB account #309-1432, in good standing. You can verify it yourself using the WSIB Clearance Certificate tool.

City of Toronto Licence: Metro Licence #B2-1086. Verifiable through the City’s Business Licence Lookup.

Commercial General Liability Insurance: Fully insured through Ai Insurance Inc. Certificate available on request.

Working at Heights Certified: Current and compliant with Ontario Regulation 297/13 and O. Reg. 213/91.

Written Contracts: Every job. Itemized. Detailed. With clear start dates, completion dates, materials, warranties, and payment terms. Exactly what the Consumer Protection Act, 2002 requires.

4.9-Star Rating: Across Google, HomeStars, the Better Business Bureau, and TrustedPros. Built over almost two decades of doing the work right the first time.

What Makes Right Choice the Right Choice

I specialize in the work most contractors won’t touch properly. Heritage Slate Roofing in Rosedale, Forest Hill, The Annex, Cabbagetown, Wychwood Park, Lawrence Park, and every other corner of Toronto’s historic neighbourhoods. Flat Roofing on commercial buildings and additions across the city. Roof Repair on century homes that need a careful hand, not a sales pitch. Chimney removal combined with slate repair in a single visit. Wildlife-proofing for the heritage homes that raccoons and squirrels love most.

My signature methodology is simple — Verify, Don’t Guess. I inspect the substrate before I write a quote. I show you photos of what I find. I explain what’s actually wrong, what can be repaired, and what genuinely needs replacement. No invented problems. No mid-job upcharges. No “we found something else” surprises after I’m already on your roof.

The Warranties I Stand Behind

Every job I complete carries a written workmanship warranty:

5 years on a Slate Roof Repair & a 2 Year Warranty on all of my other Roof Repair Services.

10 years on a complete shingle or Flat Roof replacement.

15 years on full Slate Roof replacements.

Manufacturer warranties on materials are documented separately and provided to you in writing. If there’s ever a problem, you have one number to call — mine.

How I Can Help You

Whether you have a slow leak, an aging shingle roof, a heritage slate roof that needs careful repair, a flat roof that’s seen better days, or you just want a second opinion on a quote that doesn’t sit right — call me. I’ll come out, look at the roof properly, and give you a straight answer. If your roof has years left in it, I’ll tell you. If a $1,500 repair will do the job, I won’t try to sell you a $20,000 replacement.

That’s been my approach since 2007, and it’s the reason most of my work comes from referrals and repeat customers.

Get In Touch

Right Choice Roofing and Repair
2036 Dufferin St, Unit 1-B
York, ON M6E 3R6

Phone: 416-651-8111
Email: frank@rightchoiceroofing.ca
Website: rightchoiceroofing.ca

Roof Repair in Toronto? We'll Fix It Right — Guaranteed.

From missing Shingles and active leaks to Flat Roof repairs and Slate Roof restoration, Right Choice Roofing and Repair has been fixing roofs across Toronto since 2007. We show up on time, use quality materials, and back every repair with a 2-year workmanship warranty. Don’t wait until a small problem turns into a costly replacement — call us today and let’s get your roof sorted out fast.

Frequently Asked Questions

How do I check if a Toronto roofer is legitimate before hiring them?

Run four quick checks before you sign anything. Search the company name and the owner’s name on Ontario’s Consumer Beware List. Verify their WSIB account is in good standing using the WSIB Clearance Certificate tool. Confirm their City of Toronto business licence on the Business Licence Lookup. Ask for a copy of their Commercial General Liability insurance certificate. A legitimate roofer hands all four over without hesitation. If they stall, walk away.

Can I cancel a roofing contract after I’ve signed it in Ontario?

Yes — if you signed it inside your home and it’s worth more than $50, the Consumer Protection Act, 2002 gives you a 10 calendar-day cooling-off period. You can cancel for any reason, without penalty, no questions asked. This protection is designed to counteract high-pressure door-to-door sales tactics. Read your full cancellation rights on the Province’s official cancellation rights page. If a contractor tells you that you can’t cancel, that itself is a violation of Ontario law.

Do I need a building permit to replace my roof in Toronto?

In most cases, no. If you’re re-roofing with the same material — shingles for shingles, slate for slate — and not making any structural changes, you don’t need a building permit from the City of Toronto. You will need a permit if you’re adding a dormer, raising the roof, changing the slope, or making structural alterations. If your home sits inside a Heritage Conservation District, a separate Heritage Alteration Permit may also apply. The City’s When Do I Need a Building Permit page covers the full list.

What should I do if a roofer scams me or abandons the job?

Move quickly through four steps. First, send the contractor a formal written complaint, using the Province’s Notice of Alleged Violation of the Consumer Protection Act. Second, if they don’t respond, file a complaint with Consumer Protection Ontario. Third, for outright fraud — fake contractors, fake invoices, demands for cash drafts — report it to the Toronto Police Service and the Canadian Anti-Fraud Centre at 1-888-495-8501. Fourth, for unresolved monetary disputes up to $50,000, you can file in Ontario’s Small Claims Court without a lawyer.

Why is hiring a local Toronto roofer safer than hiring an out-of-town crew?

The Province of Ontario specifically recommends hiring local for good reason. A real Toronto roofer has a physical address you can drive past, a verifiable history in the city, references on similar roofs in similar neighbourhoods, and a reputation that doesn’t survive bad work. Out-of-town crews — the ones who flood the city after every storm — tend to disappear the moment something goes wrong. You have no way to find them for warranty work, no leverage if a leak shows up six months later, and no recourse beyond the courts. A local roofer’s name and address on the contract is the single biggest predictor that the job will be done properly and warranted afterward.

We Service the Greater Toronto Area and include

    • York, Ontario
    • High park, Ontario
    • Roncesvalles, Ontario
    • Bloor West Village, Ontario
    • The Junction, Ontario
    • Parkdale, Ontario
    • Mimico, Ontario
    • Yorkville, Ontario
    • Rosedale, Ontario
    • Forest Hill, Ontario
    • Summerhill, Ontario
    • Davisville Village, Ontario
    • Willowdale, Ontario
    • Newtonbrook, Toronto
    • Don Mills, Toronto
    • Bayview Village, Toronto
    • Downsview, Toronto
    • York University Heights, Toronto
    • The Bridle Path, Toronto
    • Leaside, Toronto
    • East York, Toronto
    • Todmorden Village, Toronto
    • Pape Village, Toronto
    • Woodbine Heights, Toronto