8 Tips to Avoid Scams from Storm Chasing Roofing Companies
When you hear “storm chaser,” you might think of someone chasing tornadoes for thrills. However, in the roofing industry, storm chasers refer to companies that swoop into areas after severe weather to sell roofs. These companies often use high-pressure tactics and scams to take advantage of vulnerable homeowners. To protect yourself, here are eight tips to avoid getting scammed by a storm chasing roofing company.
1. Stay Calm When You Hear About Storm Damage
Storm chasers rely on panic to make quick sales. If someone tells you your roof has storm damage, don’t immediately panic. While storm damage can be serious, it’s essential to stay calm and assess the situation. If there’s no immediate danger, such as an active leak, you have time to find a trustworthy roofing company. Remember, most insurance policies allow you 1 to 2 years to file a claim for storm damage, so there’s no need to rush.
2. Verify Local Presence
Always verify that any potential roofing company has a local office and phone number. Many storm chasers come from out of state, following the path of the storm. A local office ensures they’ll be available for follow-up issues and adhere to local building codes. If a company can’t provide a local address and phone number, it’s best to look elsewhere.
3. Check for Proper Licensing, Bonding, and Insurance
A reputable roofing company should be licensed, bonded, and insured in your state. These credentials protect you and your investment by ensuring the job is done correctly. Always ask to see their paperwork, and verify that they meet your state’s requirements. Avoid any company that cannot provide proof of these essentials.
4. Beware of Low Prices
Storm chasers often lure homeowners with prices that seem too good to be true. They may offer to do the work for whatever the insurance company pays, but these low bids often exclude necessary repairs and materials. A legitimate roofing company cannot typically complete the work for the initial insurance estimate. Be wary of prices that are significantly lower than others.
5. Don’t Sign Anything or Allow Inspections Without Verification
Never sign any documents or allow a contractor to inspect your roof without verifying their credentials. Some storm chasers will have you sign a document that unknowingly binds you to their services if your claim is approved. They may also cause damage during their inspection to make the claim look more severe. Always verify their legitimacy first.
6. Avoid the Deductible Trap
Be cautious if a roofing company offers to pay your insurance deductible. This practice is illegal and constitutes insurance fraud. While it may seem like a way to save money, it can lead to poor workmanship and legal troubles. Always pay your deductible as required by your insurance policy.
7. Tell Them You’ll Contact Your Preferred Roofer
The best way to avoid storm chasers is to tell them you’ll contact your preferred local roofing company and insurance provider. Even if you don’t have a preferred roofer yet, this tactic buys you time to research and choose a reputable local company. It also allows you to discuss the next steps with your insurance company.
8. Research Reviews and Ask for References
Before hiring any roofing contractor, research their reviews and ask for references from recent clients. Look for reviews from the past few months to get the most current information on their performance. Contact references to ask about their experience and satisfaction with the work. This step can help you identify trustworthy contractors and avoid scams.
What to Know Before Filing an Insurance Claim for Roof Damage
Now that you know these eight tips to avoid storm chaser scams, you can confidently handle the aftermath of a storm. The most important step is to stay calm and find a reputable local company to inspect your roof and assist with your insurance claim.
Navigating the insurance claim process can be complex and stressful. To help you understand the process better, I’ve written another article detailing what you need to know before filing a claim for roof damage. Make sure to read it to be fully prepared and protect yourself from potential scams.
Should you require assistance with Roofing Service, do not hesitate to contact our team of experts at Toro Exteriors.
