Contractor soliciting Roof work to be paid by Insurance?

Question

The other day a contractor knocked on my door and solicited me to see if there is enough "damage" on my roof to potentially file a claim under my homeowners insurance to replace the roof. The basic jist i took away from the encounter is, the contractor is looking to get a high paying job that the insurance company is potentially liable for with the home-owner only responsible for the deductible.

Has anyone heard of this, had experience with this, done this, etc etc?

I'm about to call past clients they have already done this type of work for to see if it is legit. Though if i have a chance to pay 1K instead of 10-15K for a roof, i'm willing to see what happens but not expecting much.

Manolo D. · Answer

Account Closed It's a good strategy. If the company knows how to bill the insurance company, they probably are ok. Not all companies like to deal with insurance adjusters. If you think legit roofers are high paying, think again. Their workman's comp is the same as what they pay their crew.

Account Closed · Answer

@Emilio Ramirez @Manolo D.

Thanks for the response, will heed the advice and appreciate the insight!

Account Closed · Answer

it sounds like the car wash scam, every time I go they find a tiny chip and want me to go thru the insurance company

Percy N. · Answer

And we wonder why our insurance premiums are high....

Emilio Ramirez · Answer

It's a pretty standard source of work for residential roofing contractors. The big hook of course is you get a new roof for pennies on the dollar.  Not necessarily a scam, but... buyer beware. If you think you're roof has sustained hail damage then get 3 quotes minimum and do all the other due diligence when hiring a contractor. After he inspects your roof, he will sit down and explain everything to you. He will try to get you to sign a contract. I wouldn't do it until I was sure he was the right guy for the job. Threaten to call the cops if he asks you for a large downpayment. 😆