How to Protect Your Home or Business After the Storm From Storm Chasers and Insurance Fraud
Use caution when speaking with contractors
who may pose as being local, licensed, insured and have Workers Compensation and do not sign anything or offering any monetary payments without checking these companies out.
You can find out if a company is licensed by visiting the Florida Department of Business & Professional Regulation.
Signs that you might be dealing with a storm chaser or a contractor that is looking to commit insurance fraud for a profit:
Be aware when greeted with an unexpected knock or door hanger. The news has reported storm chasers and insurance fraud from licensed, local contractors. Many of these companies door knock, leave door hangers and leave yard signs offering free roofs with no deductible or cost to homeowners, have high pressure tactics and similar color uniforms. Use caution before allowing anyone into your home, business or on your roof as not every contractor uses background checks and drug free policies like Collis Roofing. Research any company before you give anyone any money or sign any legally binding documents such as a contract and AOB (assignment of benefits) which are perfectly normal business documents with an ethical contractor.
If a contractor is asking you to pull a permit on their behalf to “save money”, as this is often to protect them because they have no insurance or Workers Compensation, opening you up to potential personal injury, wrongful death lawsuits and more against your homeowners insurance and yourself personally should these workers become injured on the job at your home or business.
All contractors are required to collect the deductible on any insurance claim. While your insurance should pay for any legitimate claims for storm damage, any contractor that is offering you a roof for free without paying your deductible is felonious insurance fraud. Insurance fraud can also be caused by discounting your deductible or mechanical damage that the contractors cause to try and create false insurance claims.
Check the news for historical stories over the past few years on roofing contractors who already have a negative history with:
- Insurance fraud through false claims, mechanical damage and more
- High pressure sales and solicitation harassment in no solicitation zones
- Operating without proper licensing, insurance, etc.
- Using out of state products that do not meet the requirements of Florida weather for UV, humidity and algae, often coming from storm chasers or roofing contractors with offices outside of Florida
Ask for and check the authenticity of the following documents:
- License and insurance
- HAAG Certification from the estimators who are doing the actual storm damage inspections
- Ethical Trade Organization Membership such as CFRSA, FRSA, etc.
If in the unfortunate event that your home or business sustains any storm damage and you need to File a Claim for Roofing, Siding, Gutters, Drywall Repair, Skylights or request Emergency Tarp Service, etc., please call us at 1-877-COLLIS-1 from Monday through Sunday from 7am to 10pm.
You can fill out our Hurricane Matthew Recovery Contact Form where you can either fill out a request for service or use our online chat with our customer service department. Our customer service representatives are here for you, and we at Collis Roofing are committed to helping you recover after the storm and make sure you are ready for the next one.
Collis Roofing, a family owned and operated roofing and home improvement contractor, has been here supporting Florida homeowners and business owners for 22 years with ethical practices, commitment to safety and consumer awareness and excellence in workmanship, and we will continue to be here in the years to come should you need us.