the roofer and the multiple roofing contractors that i saw was told ahead of time that the estimate had to be free and submitted in the form of a bid. they would have to have the money to complete the job which would be over 200000 dollars and invoice in 30days. they would have to have a contractors licence, references, and insurance. they were also told that my mortguage company running the show. none of these roofers were ever was promise the job. my mortguage company would have to do a background check . once i choose someone.this particular roofer did not provide what was required eventhough he was asked several. he wanted me to give him $60000 to buy materal and 20% contractor mark up. i told him no. he wanted to bypass mortuage company , deposit it in his company acccount .