The True Cost of “Free” Roofs: Avoiding Scammers in the Wake of Storm Damage

Homeowners often unwittingly fall prey to storm damage insurance scammers in the immediate aftermath of a storm. On the heels of such a chaotic situation, homeowners instantly become much more vulnerable to too-good-to-be-true promises made by shady, fly-by-night operations looking to make a fast buck. Unfortunately, far too many homeowners fall prey to these shysters and flimflam artists because they don’t recognize the signs of a storm damage insurance scam.

Storm damage to your home, including the roof, is a serious matter that necessitates a deliberate (and, to an extent, time-consuming) approach to resolve. Quick fixes, unsolicited offers, and wild-eyed guarantees by scammers with no ability (or commitment) to back up their word will take you down a winding, dangerous path where you could be put in a vulnerable or adverse financial position. Don’t fall victim. Perform your due diligence.

6 Common Types Of Storm Damage Insurance Scams

Claiming That They Are With Your Insurance Company

This fraudulent scheme tricks countless homeowners annually. A “representative” of your insurance company contacts you via phone, email, text, or (less commonly) in person. They request information in a manner that might not catch you off guard (at least not initially).

Never provide personal information to a “representative” of your insurance company unless you initiate the contact independently.

Asking For Payment In Advance For Work Not Completed

Thousands of homeowners fall for this one every year. Immediately following a storm, a “roofing contractor” will work closely with you. They will quickly earn your trust, providing reassurance that “everything is going to be alright.” They then inform you that they need an advanced payment to get started (which they promise will be reimbursed later once the insurance funds arrive.) Don’t fall for it!

Exaggerating The Amount And Severity Of Damage

A common tactic of unscrupulous roofing contractors is embellishing the extent of hail damage your roof incurred following a storm. If a representative from a roofing company authoritatively tells you that your roof suffered from hail damage without climbing up on the roof, slam the door on that individual. If they do a quick scan without providing you with visual evidence, be leery of their claims.

Providing Lowball Bids

“If it sounds too good to be true, it probably is,” as the saying goes. Roofing companies looking for a quick buck will promise you the moon and stars to get you to sign a contract with them. Be very suspicious of these door knockers. Every year, far too many homeowners enter into agreements with fly-by-nighters, flimflam artists, and unlicensed contractors. Like the plague, avoid them at all costs.

Price Gouging And Surprise Upcharges

A roofing contractor without integrity tries to earn your trust following a violent storm. They provide outstanding customer service. They provide reassurance that everything will work out. You feel comfortable working with them. Here’s the catch. As they start working, one issue after another arises. It might not be all at once. However, it adds up. Something doesn’t feel right. But you feel stuck with them. What can you do?

Performing Poor Quality Or Substandard Work

In the aftermath of a storm, you’re discombobulated. Your home suffered severe damage. You need a roofing company to assist with the recovery. You may feel that you’ve found a contractor who provides responsive customer service and offers helpful assistance with the insurance claim. Unfortunately, their repairs don’t fully address the issues. In fact, they cut corners, and it definitely shows in the results.

5 Tips To Avoid Storm Damage Insurance Scams Following A Catastrophic Storm

Initiate Contact: Be Proactive, Not Reactive

If they knock on the door first, don’t answer. Do your homework. Identify the roofing contractor that you want involved.

Only Involve A Local Roofing Company

Buy local. Avoid the out-of-staters. Make sure the roofing contractor has a physical office and presence in your community.

Promptly Communicate With Your Insurance Provider

Initiate first contact with your insurance company. Inform them of the matter. Don’t risk getting trapped in an insurance scam.

Review Your Insurance Policy For Coverage Limits

The devil is in the details. Don’t ignore the terms and conditions of your policy. Know them to stay ahead and avoid surprises.

Secure More Than One Written Estimate

How do you know if the roofing company’s pricing is fair? Compare and contrast written estimates amongst reputable contractors.

4 Ways To Locate A Reputable Roofing Company To Address Storm Damage

Conduct Your Own Background Research On Each Prospective Contractor

It is well worth investing a few hours learning about various alternatives.

Require The Contractor To Submit A Written Contract And Estimate

Get it in writing. It protects your interests and reduces misunderstandings.

Request The Contractor To Provide Multiple Qualified References

What do previous customers think about the service they received? Find out.

Demand The Contractor Show Licensing And Proof Of Insurance

Only work with a licensed or insured contractor. Ensure their legitimacy.

Hiring A Trustworthy Local Roofing Contractor

If you need an established local roofing company to help weather the storm, trust Victors Home Solutions in Michigan as your anchor. We have worked with thousands of homeowners facing dire situations where all hope seemed lost. We provide reassurance, we will advocate on your behalf, and provide exceptional service from start to finish. To learn more about our services or to schedule an appointment, contact Victors Home Solutions today.