Roofing Insurance Scams: How to Avoid Them

In the aftermath of a severe storm, homeowners are often vulnerable to scams in the roofing industry. While the need for roof repairs or replacements may be genuine, unscrupulous individuals take advantage of this situation to deceive and defraud unsuspecting homeowners. As a homeowner, it is crucial to be aware of the tactics employed by these scammers and to take necessary precautions to avoid falling victim to roofing insurance scams. In this article, we will provide you with valuable tips and insights to protect yourself and your property.

Table of Contents

– 1. Choose a Local Roofing Company

– 2. Stay Calm and Don’t Panic

– 3. Grant Permission for Roof Inspections Wisely

– 4. Avoid Signing Any Paperwork Without Inspection

– 5. Understand the Importance of Paying Your Deductible

– 6. Choose Quality Over Price: Avoid Price Shopping

– 7. Research and Find a Quality Roofing Contractor

– 8. Check Credentials and Licensing

– 9. Seek Recommendations and Read Reviews

– 10. Request Proof of Insurance Coverage

– Roofing Insurance Scams: Conclusion

1. Choose a Local Roofing Company


choose local roofing companies
Working with a local company will help to ensure the job is done right, and that you can reach them should questions or concerns arise


When faced with roof damage after a storm, it is important to ensure that the roofing company you engage is local and reputable. Beware of storm-chasing companies that travel from out-of-state, as they often engage in fraudulent practices. These companies undercut local roofing prices, take your money, and move on to the next storm-stricken area without adhering to local codes or providing quality workmanship. 


To avoid these scams, always verify that the roofing company has an office in your area. Additionally, ask for proof of licensing, bonding, and insurance in your state. These documents not only protect you but also ensure that the job is done correctly and in accordance with state regulations.


2. Stay Calm and Don’t Panic


customer feels pressure to sign contract
Roof replacements can be stressful for any homeowner, however, it’s crucial to make important decisions in a calm state of mind

When door knockers approach you after a storm, claiming that your roof has sustained significant damage and needs immediate attention, it is natural to feel overwhelmed and stressed. However, it is crucial not to panic and make hasty decisions, so you don’t fall victim to roofing insurance scams. Take a moment to assess the situation and determine the extent of the damage.


If your roof is not actively leaking or the damage is not severe, there is no need to rush into repairs or replacements. It is advisable to seek a professional assessment of the damage and consider your options before making any commitments. Remember, you typically have up to one year to file an insurance claim, giving you ample time to research and find a trustworthy roofing company.


3. Grant Permission for Roof Inspections Wisely


contractor performs roof inspection
Contractor inspects a roof in need of a replacement

To avoid roofing insurance scams, be cautious when granting permission for roof inspections. Some individuals may pose as roofing inspectors and manufacture damage to convince you to file an insurance claim. It is essential to never let anyone on your roof without your explicit permission. 


While this scam is not as common as others, it is still important to be aware of it. Always verify the credentials of the roofing inspector and ensure that they are from a reputable company before allowing them access to your roof.


4. Avoid Signing Any Paperwork Without Inspection


client signs contract
Only sign paperwork after an inspection has been completed, and after thoroughly reviewing it

When approached by door knockers, they may present you with paperwork that seems harmless but could potentially bind you to an unfavorable contract. To avoid roofing insurance scams, do not sign any documents before a thorough inspection of your roof has been conducted by a trusted roofing professional. Some unscrupulous individuals may use these documents to gain control over your roof replacement process, limiting your options and potentially leading to financial implications. Only sign the final contract with the roofing contractor you have chosen after careful consideration.


5. Understand the Importance of Paying Your Deductible


insurance policy
Before filing an insurance claim, it’s important to review your insurance policy in detail

It is important to understand that you are responsible for paying your insurance deductible once your claim is approved. Beware of roofing companies that offer to pay your deductible, as this practice is illegal and is a roofing insurance scam that constitutes insurance fraud. Accepting such an offer can lead to severe consequences for both you and the roofing company. While it may be tempting to save money, it is not worth engaging in fraudulent activities. Always ensure that you pay your deductible as required by your insurance policy.


6. Choose Quality Over Price: Avoid Price Shopping


choosing value over price
Choosing a quality contractor to work with is a crucial first step for any roof replacement

While obtaining multiple quotes is generally advisable, it is important to note that insurance companies determine the amount you receive for your roof replacement, not the roofing contractor. Some contractors may offer to complete the work for the exact amount provided by your insurance, but this may result in subpar workmanship and potential issues in the long run. 


Instead of going for the cheapest option, prioritize finding a reputable roofing company that you can trust. To avoid roofing insurance scams, look for a contractor with a proven track record, excellent customer reviews, and a commitment to quality workmanship. Investing in a reliable and reputable roofing contractor will ensure that you receive superior service and a long-lasting roof.


7. Research and Find a Quality Roofing Contractor


experienced roofing contractor

Hiring a roofing contractor with insurance claims experience will set your roof replacement up for success

While these tips help you avoid roofing insurance scams, it is essential to find a reputable roofing contractor to handle your insurance claim. The process of selecting a roofing contractor for insurance work differs slightly from choosing one for a retail roof replacement. To ensure you find a roofer you can trust, conduct thorough research and due diligence. 


Look for contractors with experience in handling insurance claims, as they will be familiar with the process and can guide you through it seamlessly. Consider their reputation, credentials, and customer reviews before making a decision.


8. Check Credentials and Licensing


checking credentials

Don’t be afraid to ask for a roofing company’s credentials before hiring them

When evaluating potential roofing contractors, it is crucial to check their credentials and licensing. Verify that they hold the necessary licenses, certifications, and insurance coverage required by your state. A reputable roofing contractor will have no qualms providing you with the appropriate paperwork to prove their qualifications and compliance with regulations. By working with a licensed and insured contractor, you can have peace of mind knowing that the job will be completed to the highest standards and in compliance with local building codes.


9. Seek Recommendations and Read Reviews


reviews of roofing contractors

Reading reviews and collecting recommendations is a great way to gauge the workmanship a contractor provides

One of the most reliable ways to find a trustworthy roofing contractor is through recommendations from friends, family, or neighbors who have had positive experiences. Reach out to your network and ask for referrals. Additionally, take the time to read online reviews and testimonials to gauge the reputation and customer satisfaction levels of potential contractors. A contractor with a strong track record of customer satisfaction is more likely to provide you with exceptional service and a high-quality roofing solution.


10. Request Proof of Insurance Coverage


couple reviews insurance coverage

Couple reviews proof of insurance from a roofing company before making any decisions

Before finalizing your decision, request proof of insurance coverage from the roofing contractor. Ensure that they carry adequate liability insurance and workers’ compensation insurance. This protects you from potential liability in the event of accidents or damage during the roofing project. A reputable contractor will readily provide you with this information, demonstrating their commitment to safety and professionalism.


Roofing Insurance Scams: Conclusion


roofing insurance scams

You may never experience any roofing insurance scams, but education and preparation is a great way to be sure you never fall victim to one

In conclusion, when dealing with roof damage and insurance claims, it is crucial to be vigilant and cautious to avoid falling victim to roofing insurance scams. By following these tips and conducting thorough research, you can protect yourself and your property from fraudulent practices. Choose a local and reputable roofing company, stay calm and avoid panic, grant permission for roof inspections wisely, refrain from signing any paperwork before inspection, understand the importance of paying your deductible, and prioritize quality over price. 


Additionally, invest time in finding a reputable roofing contractor, check credentials and licensing, seek recommendations and read reviews, and request proof of insurance coverage. By taking these precautions, you can navigate the roofing insurance claim process with confidence and ensure a successful and satisfactory outcome for your roof repairs or replacements.



Elite Exteriors is proud to be insurance claims specialists, and works hard on the homeowners behalf, guiding them through the insurance claims process, and taking the stress out of making a claim. We are happy to answer any insurance questions you may have, and to bring your roof back to its pre-storm condition. 


Elite Exteriors is the Southeast’s premier residential and commercial resource for unparalleled service, superior craftsmanship, and incomparable quality. And it’s all backed by an unprecedented lifetime labor and materials warranty! Give us a call today at 470-350-3024 for a NO-COST initial consultation and inspection, or fill out our online form for more information!



Elite Exteriors is the Southeast’s premier residential and commercial roofing resource for unparalleled service, superior craftsmanship and incomparable quality. And it’s all backed by an unprecedented lifetime labor and materials warranty!

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