This type of help is very useful for smaller jobs and projects. By owning a business, they afford the minimum in recourse, their business license. Usually lack of overhead costs make handymen less expensive than a quality roofing contractor. Often, the size of the job is the major consideration in selecting a person who cannot legally write binding contracts. Like mentioned though, not all persons in this category are without contractors licenses.
Contractors do the majority of roofing work.
By owning a contractors license, they by law are required to write a contract for all work performed. A yearly fee, and minimum bond are required to keep an issued license. By holding such, the contractor gives recourse to the homeowner in the form of penalty by the governing body that holds the license, and the company which issued the bond. Major casualty insurance is not required for a license. From reprimand to fines to loss of license and revocation of bond, are measures which can be taken by such bodies.