Florida roofing scams have become a rampant issue that plagues homeowners. Despite being smart and vigilant, you’re not immune to falling victim to deceitful roofing contractors. These unscrupulous companies have been known to cause an increase in insurance rates for homeowners, as insurers pay out for fraudulent claims and subsequently raise their rates for all. To fight against these scams, we must come together and take action.
Thankfully, Florida’s Legislature has already taken significant steps to combat insurance fraud and maintain reasonable rates. Honorable roofing companies like All Star Roofing are also doing their part to stop these scams. As a homeowner, you can also help by learning how to identify roofing fraud.
How Roofers Steal Customers
Florida has been hit by numerous hurricanes in recent years, causing significant roof damage. In the aftermath of these storms, so-called “storm chasing” roofers flock to affected areas. They often persuade homeowners to replace their roofs, even when only minor repairs are necessary. If any issues arise later on, the homeowner may find it impossible to contact the roofing company for assistance.
Previously, there was a law in Florida that required the replacement of a roofing system if it had sustained 25% or more damage. However, unscrupulous roofers would often inform homeowners that their homes had suffered this level of damage, even when it wasn’t true. They would then bill insurance companies for the full cost of the replacement, even though the roofs could have been repaired or maintained for much less.
How to Identify Florida Roofing Scams
To avoid falling victim to Florida roofing scams, it’s best to steer clear of contractors who inquire about your homeowners’ insurance. If a roofer claims they can provide you with a free roof, be wary, as you’re responsible for the deductible on your insurance if your roof has been damaged by a storm.
Some dishonest roofers may attempt to persuade you to sign an AOB (Assignment of Benefits) to avoid paying your deductible. This document should never be signed. By signing an AOB, you’re essentially handing over your rights to the roofing company, and you’ll lose the ability to choose whether or not you’re satisfied with the work done on your roof. Dishonest roofers might use AOBs to install defective roofs, refuse to guarantee their work, and leave you with a “free roof” that leaks again before long.
One way to avoid roofing scams is to contact your insurance provider following a hurricane. They can help you understand your insurance policy and options, inform you about what’s covered, what’s not covered, and explain your deductible. Additionally, they can provide you with a list of roofing companies that are legally compliant and responsible.
Florida Lawmakers Are Fighting Roof Scams
The Florida Legislature has recently passed several laws aimed at protecting residents and insurance companies from roofing scams. First and foremost, they eliminated the 25% rule, giving homeowners the option to either repair or replace their roofs if they sustain more than 25% damage.
In addition, a grant program was established that provides $10 million to homeowners in high-velocity hurricane zones, allowing them to protect their homes from hurricanes and prevent costly insurance claims.
Lastly, laws were passed to prevent insurance companies from dropping clients with roofs older than 15 years. Homeowners can now have their roofs inspected and certified to have five more years of life, which will prevent many unnecessary and premature roof replacements.
How All Star Roofing Helps Prevent Roof Fraud
All Star Roofing is committed to educating and informing our customers about roof fraud and helping them avoid it. We will always be transparent and answer any questions you may have, explaining our recommendations for your roof without pushing unnecessary replacements.
In addition to this, we offer certification inspections for roofs older than 15 years and can install long-lasting roofing options such as All Star Roofing. We also provide services to harden roofs and protect them from storm damage.
At All Star Roofing, we pride ourselves on our customer-first philosophy, which has been developed through over 50 years of experience in the roofing industry. If you are looking for a trustworthy roofer in South Florida, look no further than All Star Roofing.
Know the Signs to Protect Your Roof and Bank Account
Roofs are no exception. We’ve all heard the saying, “There’s no such thing as a free lunch.” While some roofing contractors may claim to offer a free lunch, they will end up eating on your dime and leaving you with poorly constructed roof or insurance-related problems.
Roof scams are prevalent everywhere, but they can be particularly profitable for contractors who lack the necessary skills in Florida, with its extreme wind and hail storms. These scams often begin with a “free roof inspection” after a storm has passed. Posting notices at your door or stopping by unexpectedly to offer an inspection or claim that you have damage is a common scam.
It’s crucial to be aware that if they approach you and claim roof damage or return after a free home inspection with “proof” of damage, these are red flags that the Insurance Information Institute considers significant.
The Rise of Insurance Scams for Hail Damage
Despite the National Oceanic and Atmospheric Administration stating there is no increase in hailstorms, insurance claims for hail damage have risen dramatically. Unprofessional roofers are a major cause of exaggerating hail damage, but this scam goes beyond exaggeration. Fraudsters create evidence, also called manufactured damage, which can cause insurance rates to increase for consumers.
Protecting Yourself from Scammers
The impact of insurance fraud goes beyond higher premiums. It can appear on your record, potentially affecting future claims, and could lead to the cancellation of your policy. Protect yourself and your insurance policy from scams by ensuring you don’t sign a contract with a roofing contractor until you’ve had your roof inspected by a licensed and trusted third-party inspector or insurance company.
Not all liars and fabricators are the same. Scammers take advantage of your need for a new roof after a storm, often offering deals that sound too good to be true. To spot a scam, make sure you only hire roofers approved by the Florida Roofing and Sheet Metal Contractors Association (FRSA), who are licensed, insured, and have a physical address.
Choosing the Right Florida Roofing Contractor
Avoid Florida roofing scams. Choosing a reputable contractor is key to ensuring your roof and money are in good care. Do your research by reading online reviews and consumer sites, asking family and friends for recommendations, and visiting the roofer’s office to see how they operate. Avoid working with a roofer who only has a PO Box as their address and ensure the roofer you choose is the one who will do the work.
If you’re looking for a reliable and trustworthy roofing contractor in Florida, look to All Star Roofing. Our team of experts has over 60 years of experience in the roofing industry, and we are committed to providing exceptional service and quality workmanship. From roof repairs to installations and certifications, we have you covered.
Contact us today to schedule a consultation and see why All Star Roofing is the right choice for all your roofing needs.
Other Services We Offer
- ROOF INSTALLATION
- SHINGLE ROOFS
- TILE ROOFING
- FLAT ROOFING
- METAL ROOFING
- EMERGENCY ROOF REPAIR
- HURRICANE HELP