Beware of Roofing Scams After Severe Wind or Hail Storms

The Rise of Roofing Scammers After Storms

Severe wind and hail storms often leave homeowners dealing with significant roof damage. Unfortunately, these disasters also create the perfect opportunity for fraudulent roofing contractors to prey on unsuspecting homeowners. Scammers often appear in storm-affected neighborhoods, promising quick repairs and offering deals that seem too good to be true. Falling victim to these scams can lead to financial losses, shoddy workmanship, and even legal complications. Understanding the common tactics used by dishonest contractors and knowing how to identify reputable roofing professionals is essential for protecting your home and investment.

Common Roofing Scams to Watch Out For

1. Storm Chasers and Traveling Contractors

After a major storm, out-of-town contractors, often referred to as “storm chasers,” descend upon affected areas offering their services. They frequently pressure homeowners into signing contracts on the spot, claiming that immediate repairs are necessary. In many cases, these companies:

Lack proper licensing and insurance
Use subpar materials
Perform low-quality work that deteriorates quickly
Disappear after receiving an upfront payment

Homeowners should always verify a contractor’s credentials and choose a company with a local presence and a proven track record.

2. High-Pressure Sales Tactics

Scammers often create a false sense of urgency, insisting that repairs must be done immediately or that special discounts will expire soon. They may use aggressive sales tactics to rush homeowners into making uninformed decisions. A reputable roofing contractor will always provide written estimates and allow homeowners to compare options without pressure.

3. Bait-and-Switch Pricing

Some fraudulent contractors initially offer an extremely low estimate to secure a contract. Once work begins, they claim to have discovered additional damage and demand significantly more money to complete the job. In other cases, they may cut corners by using inferior materials that do not meet industry standards. Always request a detailed written contract outlining all costs before agreeing to any work.

4. Insurance Fraud and Deductible Gimmicks

Some roofing scammers offer to cover or “waive” a homeowner’s insurance deductible, often by submitting false invoices to the insurance company. This is considered insurance fraud and can result in severe penalties for both the contractor and the homeowner. Legitimate roofing companies will provide an accurate, honest estimate and follow all insurance regulations.

5. Requesting Large Upfront Payments

One of the most common scams involves a contractor requesting a significant down payment before starting work. Once they receive the money, they either perform incomplete or subpar work—or disappear altogether. A reputable contractor will not require full payment before starting the job and will have a structured payment schedule based on project milestones.

How to Protect Yourself from Roofing Scams

1. Verify Credentials and Licensing

While some states require roofing contractors to be licensed, others do not. Research local licensing laws and verify a contractor’s credentials before hiring. Request proof of:

Business license and registration
Liability insurance and workers’ compensation coverage
Certifications from major roofing manufacturers

2. Check Reviews and References

Look up the contractor online and check reviews from previous customers. A reputable roofing company should have positive reviews on platforms like Google, the Better Business Bureau (BBB), and industry associations. Additionally, ask for references and follow up with past clients to learn about their experiences.

3. Get Multiple Estimates

Always obtain at least three written estimates from different roofing contractors. This allows homeowners to compare pricing, scope of work, and materials used. Be cautious of estimates that seem significantly lower than others, as this may indicate hidden costs or low-quality materials.

4. Request a Written Contract

A detailed contract should include:

The scope of work and specific materials to be used
Estimated start and completion dates
Payment terms and schedules
Warranty details for both materials and labor

Never sign a blank contract or one that lacks specific terms.

5. Avoid Contractors Who Knock on Your Door

Legitimate roofing companies do not rely on door-to-door sales. Be wary of anyone who approaches your home unsolicited, especially after a storm. Instead, seek out established, local contractors with a strong reputation in your community.

6. Be Wary of Insurance Claim Assistance Offers

Some dishonest contractors offer to handle the insurance claim process for homeowners, sometimes requesting that the homeowner sign an “Assignment of Benefits” (AOB) form. While AOB agreements can be legitimate, they also give contractors control over the insurance payout, which has led to widespread fraud. Homeowners should always communicate directly with their insurance company before signing any documents.

Choosing a Reliable Roofing Contractor

When selecting a roofing contractor, it is essential to work with a reputable, experienced company that prioritizes quality and customer satisfaction. A trustworthy contractor should have:

A proven history in the local community
Strong customer reviews and an A+ BBB rating
Certifications from leading manufacturers like GAF, Owens Corning, and CertainTeed
Proper insurance coverage to protect homeowners from liability

Vera Roofing And Construction, located in Waxahachie, TX, provides expert metal roofing installations backed by industry-leading certifications. As a GAF Master Elite Contractor, Firestone/Elevate Licensed Contractor for Commercial Roofs, and A+ BBB-rated company, we guarantee top-quality craftsmanship. We work with premier brands, including GAF, Owens Corning, CertainTeed, Atlas, IKO, Firestone/Elevate, Mulehide, and F Wave, ensuring unmatched durability and performance. Our commitment to integrity means we always do the right thing, every single time.

Conclusion

Severe storms bring not only property damage but also an influx of fraudulent roofing contractors looking to take advantage of distressed homeowners. By staying informed and vigilant, homeowners can protect themselves from scams and ensure that their roofs are repaired or replaced by reputable professionals. Always verify a contractor’s credentials, get multiple estimates, and never rush into signing a contract under pressure. When in doubt, choose a trusted, local roofing company with a strong track record of excellence.

Frequently Asked Questions (FAQs)

1. How can I tell if a roofing contractor is legitimate?

Check for proper licensing, insurance, and industry certifications. Read online reviews, ask for references, and ensure the contractor has a physical business location.

2. What should be included in a roofing contract?

A roofing contract should outline the scope of work, materials used, costs, payment terms, warranties, and estimated project timeline. Always request a detailed, written agreement.

3. Is it normal for a roofing contractor to ask for a deposit?

Reputable contractors may request a small deposit to cover initial material costs, but large upfront payments should be a red flag. Payments should be tied to project milestones.

4. What are the risks of hiring an out-of-town roofing contractor?

Storm chasers often use subpar materials, provide poor workmanship, and disappear after taking payments, leaving homeowners with unresolved issues. Always hire a local, established contractor.

5. How do I handle my insurance claim for roof damage?

Contact your insurance company directly and schedule an inspection. Obtain multiple contractor estimates and avoid signing any agreements that give a contractor control over your claim payout.