05/20/2026
Unscrupulous "storm chaser" roofers using the "insurance will pay for it" pitch are a major source of consumer complaints. While some storm damage is legitimate, these high-pressure, out-of-town sales tactics often lead to inflated claims, subpar work, and even insurance fraud.
Watch out for the following major red flags:
"We'll cover your deductible": If a contractor offers to waive or pay your deductible, it is illegal. You are legally and contractually obligated to pay your deductible, and agreeing to this scheme can drag you into insurance fraud.
"No out-of-pocket costs" or "Free roof":Insurance companies never simply "pay for" a roof because a contractor demands it. Only your insurer can approve a legitimate claim after an independent adjuster evaluates the damage.
Pressure to sign an Assignment of Benefits (AOB) or contingency agreement: Never sign over the rights to your insurance claim or sign a work contract before your insurance company has officially approved it.
How to Protect Yourself
If a roofer knocks on your door claiming damage:
Do not let them on your roof: Unscrupulous contractors may intentionally cause damage ("hammering") to force a claim.
Call your insurance agent FIRST: Contact your insurance company to report a possible issue before speaking with any contractor.
Hire local, licensed contractors: Verify their credentials, check reviews on the Better Business Bureau, and ask for local references.
Get multiple estimates: Never rely on a single contractor's word; get 2-3 quotes for comparison.
