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🛑 1. The Storm Chaser Scam
After a major storm, fraudulent contractors, known as “storm chasers,” may appear, offering quick and cheap repairs. They often pressure homeowners into immediate decisions and may disappear before completing the work. Be cautious of contractors who:
- Arrive unsolicited after a storm
- Lack local references or a permanent business address
- Request large upfront payments(
Always verify the contractor’s credentials and seek multiple quotes before proceeding.
🚨 2. The Free Roof Inspection Scam
Some scammers offer free roof inspections to gain access to your property. Once on the roof, they may fabricate damage or even cause it themselves to justify unnecessary repairs. To avoid this:
- Only allow inspections from reputable, vetted contractors
- Be present during the inspection
- Request photographic evidence of any claimed damage
Be wary of unsolicited offers for free inspections, especially after storms. (Better Business Bureau)
💰 3. The Large Down Payment Scam
Requiring a significant upfront payment before starting work is a red flag. Scammers may take the money and never return. Legitimate contractors typically request a modest deposit, often around 10-20% of the total cost. To protect yourself:
- Avoid paying large sums upfront
- Ensure payment terms are clearly outlined in a written contract
- Verify the contractor’s business license and references
Always be cautious with contractors who demand substantial payments before commencing work.
📝 4. The Bait-and-Switch Scam
In this scam, a contractor offers a low estimate to secure the job but later increases the price or uses inferior materials. To prevent this:
- Obtain detailed, written estimates specifying materials and labor
- Include clauses in the contract that prevent substitutions without approval
- Monitor the work to ensure compliance with the agreed terms
Clear communication and thorough documentation are key to avoiding bait-and-switch tactics.
⚠️ 5. The Insurance Fraud Scam
Some contractors may suggest inflating insurance claims or waiving deductibles, which is illegal and can lead to serious consequences for homeowners. To stay safe:
- Work directly with your insurance company
- Be skeptical of contractors who offer to handle insurance claims entirely
- Ensure all claims are accurate and truthful
Engaging in insurance fraud can jeopardize your coverage and legal standing.
🔍 6. The Unlicensed Contractor Scam
Hiring an unlicensed contractor can result in subpar work and leave you liable for accidents or damages. To avoid this:
- Verify the contractor’s license and insurance
- Check for any complaints or disciplinary actions
- Request references from previous clients
Ensuring your contractor is properly licensed and insured is crucial for your protection.
🛡️ Protecting Yourself from Roofing Scams
To safeguard against roofing scams:
- Research Contractors: Use resources like the Better Business Bureau to check for complaints and verify credentials.
- Get Multiple Estimates: Compare quotes from several contractors to identify any outliers.
- Insist on Written Contracts: Ensure all terms, including materials, labor, timelines, and payment schedules, are documented.
- Avoid High-Pressure Sales Tactics: Take your time to make informed decisions without succumbing to urgent sales pitches.
- Be Present During Inspections: Accompany the contractor during roof assessments to understand the scope of work.
- Verify Insurance and Licensing: Confirm that the contractor has the necessary insurance and licenses to operate in your area.
By staying informed and vigilant, you can protect your home and finances from roofing scams.
For a visual guide on spotting roofing scams, you may find this video helpful:
Spot Roofing Scams Before They Drain Your Wallet
