Storm Chasers and Insurance: Tips to Protect Your Roof After a Spring Storm

Spring storms can bring serious damage to your home’s roof. Unfortunately, they can also bring scammers and unexpected surprises with your insurance. Protect yourself against either of these terrible situations with a few tips from Reset Roofing.

The Storm Chaser Scam

One of the biggest scams in the roofing industry involves a door-to-door salesman who shows up after a storm claiming to be able to give you a low-priced or free roof replacement. They may tell you that they can give you this low price because they have a bunch of leftover material from a nearby job. They may even tell you they can get you a free roof or offer you way around paying a deductible—this is insurance fraud! They will ask to get on your roof to conduct a free roof inspection and when they get up there they usually create additional damage (strike with a ball-peen hammer to fabricate hail strikes and/or tear off shingles). When they speak with you after their inspection they may then present you with a photo of roof damage from another home and pass it off as a photo from your roof. Next, they will pressure you to sign a contract allowing their company to negotiate with your homeowner’s insurance company. This will waive your rights to have any input regarding repairs or replacement and you will lose control of your insurance settlement. These scammers will then collect your insurance check and either leave halfway through the job or do a very sloppy job with lots of cut corners. Lastly, when it comes time for a warranty repair, these companies are long gone.

While some door-to-door companies are honest professionals, many are scammers. Here are a few additional red flags to look out for:

  • They will not provide a phone number, email, and physical office address
  • They have out-of-state license plates or drivers licenses
  • They are unable to produce a certificate of insurance with matchingidentification information.
  • They are unable to produce recent, local client or supplier references
  • They are unlisted or have unsatisfactory ratings/complaints filed against them with the Better Business Bureau.
  • They have no local online reviews (Yelp, Google, Angie’s List, Facebook, etc.)

Review Your Insurance Today

If possible, contact your insurance company or review your current policy before you are faced with roof damage, so you will know exactly what your policy covers and not be faced with any surprises. If you do experience roof damage, contact your insurance company immediately (waiting may mean you are unable to submit a claim). After submitting your claim, an insurance adjuster will inspect your roof’s damaged areas and (assuming your roof insurance claim is covered under your existing homeowner’s policy), determine how much money the insurance company will give you to repair or replace your roof. You can then personally choose the roofing contractor you wish to complete your roof’s repairs or replacement—you are under no obligation to work with any companies suggested by your insurance.

Choose the Best—Choose Reset!

Reset Roofing is fully licensed, bonded, and insured. We’ll happily provide references of satisfied customers and suppliers in your area and copies of our insurance and licenses. Contact us today for all your roofing repair and replacement needs!

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