Contractor FAQ

Your email address is all you need. Enter it on the Apply to Join page and we'll send you a magic link — click it and you're in. No password to set, no lengthy application to fill out before you can look around. Complete your profile at your own pace before we review it for approval.

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Your profile needs four things: your business information, workers' compensation and general liability insurance certificates, your service area, and your contract template. That last item is important — OtterQuote uses your agreement, not ours, so upload the contract you actually use in the field.

We review profiles as they come in. Most approvals happen within 1–2 business days. Once approved, you'll start receiving opportunities matched to your service area and trades immediately.

If your municipality requires a contractor license, yes — you'll need to upload it as part of your profile. If your area has no licensing requirement, simply check the "no license required" box during profile setup. We make your licensing information visible to homeowners so they can do their own research before choosing a contractor.

Insurance RCV (replacement cost value) and ACV (actual cash value) roofing projects, plus retail and cash jobs. All opportunities are matched to your service area and the trades you handle — you won't see projects outside your area or for trades you haven't opted into.

When an opportunity matches your service area and trades, you can review the project details — including the insurance estimate and measurements, when available — before deciding to bid. If you submit a bid, you enter your pricing and the items included in your scope. The bid form shows the exact platform fee in real time as you enter your price, so there are no surprises before you commit.

For insurance RCV projects, you can enable auto-bid in your settings. When a matching opportunity comes in, your bid is automatically submitted at the RCV amount with your standard terms. You don't need to manually review and bid each project — your settings handle it. You can turn auto-bid on or off at any time in your contractor settings.

When reviewing an opportunity before bidding, you have access to trade-specific aerial measurements and the homeowner's insurance estimate with an AI-parsed line-item summary, when available. You know exactly what you're getting into before you submit anything.

The platform fee is 5% of the signed contract value. That's it — no add-ons, no monthly subscriptions, and no upfront costs. You only pay when a homeowner signs your contract.

You are only charged after both you and the homeowner have signed the contract. There are no monthly subscriptions, no upfront fees, and no charges for browsing opportunities or submitting bids you don't win.

Yes. The bid form shows exact fee calculations in real time as you enter your price. You always know your net on a job before you submit. No hidden math, no surprises after the fact.

Once a homeowner selects you, the contract is sent to both of you for signature — you sign first, then the homeowner signs. Once both parties have signed, you receive the full project package and the homeowner's contact information is released to you.

The project package includes: your signed contract, the homeowner's insurance estimate with an AI-parsed line-item summary (when available), aerial measurements specific to your trade (when available), material and color selections where the homeowner has completed them, and the homeowner's contact information. Everything you need to show up and start work.

The homeowner's contact information is sent to you after both parties have signed the contract. Contractors are expected to contact the homeowner within 48 hours.

You can edit a submitted bid at any time before the homeowner selects a contractor. When you make changes, the homeowner is notified that your bid has been updated and will see the revised figures.

Your company profile, years in business, insurance status, customer reviews, and bid details are visible to homeowners when they compare contractors. Your personal contact information — phone number, personal email — is not shared until a contract is signed.

Contact us through the in-app support form on any contractor page, by email at support@otterquote.com, or by phone at (844) 875-3412. We're here to help resolve issues quickly so you can stay focused on the work.