Severe storms can have devastating consequences for your property and finances. Although getting back on your feet as quickly as possible may be ideal, there are several reasons to take your time when recovering from weather-related losses.

Unfortunately, some parties may seek to take advantage of hardship amid the aftermath of severe storms. With that in mind, homeowners should do their due diligence to learn about possible contractor scams during these times.

Understanding Storm Chasers roofing contractor scams

In the wake of a significantly damaging event, many fraudulent hail-damage roofing contractors and other construction companies may arrive in the area with ill intentions of taking advantage of the situation. These perpetrators may offer tempting estimates and quick services, only for them to disappear or provide inadequate work once they’ve been paid upfront.

Identifying suspicious behavior

As you attempt to repair your property or recoup other losses following a storm, it’s essential to be aware of various suspicious signs that may indicate that a fraudulent contractor is running a scam. These signs may include:

1. Arriving unannounced or calling from a suspicious phone number
2. Offering to provide services at much cheaper (or greater) cost than others
3. Requiring significant payment in advance
4. Declining to provide an itemized list of services and corresponding costs
5. Asking for permission to submit insurance claims
6. Requesting that insurance checks be endorsed to them
7. Failing to provide references or their company’s address

Avoiding fraudulent contractors

Homeowners should always be diligent and thorough while shopping for products and services. This necessity is of even greater importance when potentially dealing with fraudulent contractors. The following steps can help reduce the likelihood of being scammed:

• Ask around. Checking references and researching possible complaints is important. It may be advisable to avoid contractors that do not regularly work in the local area if unable to find adequate information about them. Employing a well-known local contractor can reduce your risk of being scammed.
• Use a claims adjuster. It’s best for policyholders to check with their insurance companies and have a claims adjuster inspect any storm-related damages. Insurers may also be able to help review contracts.
• Avoid cash payments. If a contractor proves to be fraudulent, it’s easier to track them and establish payment records if checks and credit cards are used. If cash is required for any reason, make sure to receive a signed receipt or proof of payment.
• Check documentation. Property owners should request proof of a contractor’s insurance and ensure the copies of agreed-upon contracts are identical. Ask about any subcontractors that will be involved in the job and ask for documentation of their respective insurance coverages as well.
• Beware of phone calls. If called by someone claiming to be a contractor, it’s best to be cautious and avoid providing personal or financial information without first verifying their identity. If a caller says they are a government official, hanging up and calling the number listed on the website of the agency they claim to be with is advisable.

In conclusion

As you attempt to manage the aftermath of storm-related losses, it’s essential to avoid falling victim to contractor scams and exacerbating your situation. Contact Christensen Group Insurance for more information and to ensure your property is adequately covered for severe weather.

This article is intended for informational use only and should not be construed as legal advice. Talk to your insurance agent or legal counsel for more information. © 2024 Zywave, Inc. All rights reserved.

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