Consumer Protection
Every major storm produces two waves: the damage, then the door-knockers. Legitimate contractors canvass storm areas too — so the goal isn't paranoia, it's a five-minute screening process that scammers can't survive.
The deductible “waiver” is the reddest flag
Offering to absorb, waive, or rebate your deductible means inflating the claim to cover it — insurance fraud, explicitly illegal in a growing list of states, with the homeowner's signature on the paperwork. Any contractor who opens with it has told you everything about how they run jobs.
Pressure has a purpose
“Sign tonight for this price,” “we're only in the neighborhood this week,” assignment-of-benefits forms pushed at the door, and large cash deposits demanded upfront all serve one function: getting your signature before you can verify anything. A real company's quote survives a week of thinking.
The five-minute verification
Ask for the company's full legal name, then check: the state license board (where licensing applies) for an active license in that exact name; a certificate of insurance sent directly from their agent showing current general liability and workers' comp; a physical business address you can find on a map; and reviews across more than one platform dating back further than the storm. Ask what happens if there's a warranty issue in year three — and get the warranty in writing.
Storm-chaser tells
Out-of-state plates paired with a just-registered LLC, a “free roof” pitch, reluctance to provide a written itemized scope, contingency agreements pushed before any inspection happens, and no local references. Any one alone can be innocent; a cluster is a pattern.
What working with us looks like instead
A free photographed inspection, a written itemized quote that's yours to think about, verifiable licensing and insurance on every proposal, and claims documentation done by the book — deductible included, because that's the law and it protects you. That's the standard everything on this site is built around.
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