How to Avoid Roofing Scams After a Storm

After a major storm, homeowners often feel pressured to address leaks and start repairs quickly. Unfortunately, some contractors exploit this urgency to secure signatures, deposits, or insurance information before homeowners can investigate.

A few careful steps can help protect your home and finances.

Contact Your Insurance Company First

Photograph visible damage from a safe location and contact your insurance company or agent before authorizing permanent repairs. Ask which emergency measures are permitted and what documentation is required. Never allow anyone to create, exaggerate, or claim nonexistent damage. Offers to waive or reimburse your insurance deductible are serious warning signs and may involve insurance fraud.

Verify the Contractor Independently

Do not rely solely on a license number printed on a truck, business card, or proposal. Verify the contractor at MyFloridaLicense.com and confirm that the licensed individual qualifies the company offering the contract. Request current proof of liability and workers’ compensation insurance. Florida’s DBPR advises storm victims to verify licensing before signing any agreement.

Be Cautious With Unsolicited Offers

Door-to-door solicitation is not always fraudulent, but high-pressure tactics require caution. Be wary of anyone demanding an immediate signature, promising a “free roof,” offering leftover materials at a discount, or insisting that only one contractor can communicate with your insurer.

Insist on a Detailed Written Contract

The contract should specify materials, scope of work, price, payment schedule, permit responsibilities, estimated timing, warranties, and procedures for change orders. Avoid large cash payments and never sign a blank or incomplete document.

Read any form involving insurance proceeds, direct payment, claim authority, or legal representation. Florida prohibits assignments of post-loss property-insurance benefits under policies issued or renewed on or after January 1, 2023.

A trustworthy contractor allows time for questions and verification. Packard Roofing & Waterproofing has served Florida homeowners for over 55 years. We provide written proposals, verifiable credentials, and clear explanations so homeowners can make informed decisions, especially when recovering from a storm.