How to Avoid Storm-Chaser Roofing Scams
After every major U.S. storm, out-of-state "storm chasers" arrive within days. Some are legitimate. Many are not. Here is how to protect yourself and your insurance claim.
The 7 red flags
- Door-to-door the same day — legitimate contractors rarely solicit door-to-door after storms
- Pressure to sign today — "the price goes up tomorrow" is a classic scam line
- Full payment upfront — no reputable contractor needs 100% before work
- "We'll waive your deductible" — illegal in most U.S. states
- Out-of-state plates, no local address — they disappear when problems arise
- No license, no insurance, no references — a written contract should include license and insurance info
- Offers to "handle your insurance for you" — they cannot negotiate with your insurer as a public adjuster unless licensed
What to verify before signing anything
- License — check your state contractor licensing board
- Insurance — ask for a certificate of liability and workers' comp
- Local address — verify with Google Maps and street view
- Reviews — check Google, BBB, Yelp for reviews older than six months
- Written contract — scope, materials, timeline, payment schedule, and warranty
Payment schedule that protects you
Standard structure for a legitimate roofer:
- 10–30% deposit at contract signing
- Progress payment when materials are delivered
- Final payment only after inspection and your written approval
Never pay 100% upfront. Never pay in cash without a receipt. Never let the roofer "handle" your insurance adjuster.
If you have already been scammed
- Stop payment if possible (credit card chargeback, check stop)
- File a complaint with your state's Attorney General
- File a complaint with your state licensing board
- Report to the FBI's Internet Crime Complaint Center if fraud occurred across state lines
- Contact your insurer immediately — they may be able to help
How to find a legitimate roofer
- Ask neighbors for recent recommendations
- Search the manufacturer's certified contractor directory (GAF, Owens Corning, CertainTeed)
- Check your state licensing board
- Get at least three written estimates
- Never rush — even in an emergency, taking 24 hours to verify saves heartbreak
Frequently asked questions
Can a roofer waive my deductible?
No. In most U.S. states it is illegal for a contractor to pay, waive, or absorb your insurance deductible. This is fraud on the insurer.
Is it safe to sign a "contingency contract"?
Some legitimate contractors use these (you pay only if insurance approves). Read carefully — some contingency contracts hide binding arbitration clauses and inflated fees.
How long should I wait before hiring after a storm?
Do the emergency tarp immediately. For full repair, 1–2 weeks of due diligence is fine. Insurers allow months, not days.
What if a contractor already did the work and disappeared?
Document everything, file a police report, contact your state licensing board and Attorney General, and notify your insurer. If you paid by credit card, dispute the charge immediately.
Related guides
How to hire a roofer · Insurance claim checklist · Storm damage · Repair costs