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Guide for homeowners

Hiring a gutter contractor

What states require, what to check everywhere, the three-day rule

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States differ widely

Read at the source, the rules for gutter work range from none at the state level to a license for any amount:

  • Maryland: a home improvement license for work of any amount; deposits up to one third of the price.
  • District of Columbia: a home improvement license for contracts of $300 or more; no payment before completion without one.
  • Virginia: a contractor license for contracts over $1,000.
  • Pennsylvania: registration with the Attorney General; on contracts over $5,000, deposits up to one third; three business days to cancel.
  • Tennessee: a home improvement license from $3,000 in nine counties; a contractor license statewide from $25,000.
  • North Carolina: a general contractor license from $40,000, well above an ordinary gutter job.
  • Georgia: gutters are a traditional specialty that needs no state contractor license.

Each state page on this site says what its rules are where they have been read at the source, with the look-up link.

Check everywhere

  • Insurance: a certificate of liability insurance with the insurer and dates. Ladder work at the roof edge is the risk.
  • A written quote: material, size, linear feet, downspouts, hangers, fascia, guards, hauling, price.
  • Payment: what the deposit covers, and when the balance is due.
  • Warranty: on materials and on the work, in writing.

Sales at your home

The FTC's Cooling-Off Rule lets you cancel a purchase of $25 or more made at your home until midnight of the third business day after the sale; the seller must give you the cancellation form. Repairs you called the seller out to make are among the exceptions.

Sources: Federal Trade Commission, Cooling-Off Rule, 16 CFR 429; Maryland Business Regulation § 8-101; Home Improvement Consumer Protection Act (Pennsylvania); N.C. General Statutes § 87-1. Updated 2026-10-13.

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