Have you noticed more contractors knocking on doors and offering to get your insurance to pay for roof replacements lately? You’re not alone. The roofing industry has seen an increase in door-knocking tactics as roof replacements have become a hot commodity for insurance claim chasers. Unfortunately, some companies use aggressive tactics and questionable practices to capitalize on this trend, leaving homeowners unsure of whom to trust, and the insurance industry reeling.
At Fichtner Home Exteriors, we take a different approach—one rooted in transparency, respect, and integrity. Unlike many competitors, we will never send someone to your home unannounced, and we will not go after insurance unless damage is real. Here’s why this commitment matters and how it sets us apart.
Why Contractors Target Insurance Claims and Insurance Fraud
The simple answer is money. Insurance claims for roof replacements involve top-dollar payouts, making them a lucrative market for contractors. For example, a homeowner recently received a quote for a premium architectural shingle roof at $18,200. However, when processed through insurance using standardized estimating software like Xactimate, the price jumped to $28,420—a staggering 56% increase.
The compensation structure for some door-knockers can include substantial bonuses—sometimes amounting to thousands of dollars—for each successful lead they convert. While this may incentivize aggressive sales tactics, it often prioritizes profits over the homeowner’s best interests.
This inflated pricing is not typical for other insurance related repairs, such as siding, drywall, painting, etc. You don’t get people knocking on doors trying to get your insurance to pay for new windows or siding, because there isn’t the same financial incentive as in roofing. Pricing tools in the insurance industry like Xactimate tend to generate higher estimates than what typical roofing contractors might charge. While this can benefit contractors, it incentivizes them to push for insurance claims over direct payments, often at the expense of transparency.
In some situations, contractors may advise homeowners to provide false or incomplete information about repair costs when filing an insurance claim. For example, they might suggest underreporting the actual expenses or inflating the scope of damage to maximize the payout. This practice is considered insurance fraud, a serious offense with significant implications.
While homeowners might initially believe this tactic will save them money or make the repair process more affordable, it can backfire in several ways. Insurance companies conduct audits and investigations, and if fraud is uncovered, the homeowner—not the contractor—bears the legal responsibility. This can result in denied claims, financial penalties, and even criminal charges, creating far greater costs and stress than any perceived short-term benefit. It’s essential for homeowners to ensure all information provided to insurance companies is accurate and transparent to avoid these risks.
To avoid being taken advantage of, homeowners should maintain clear and direct communication with their insurance provider throughout the claims process. This ensures they understand the true costs involved and can avoid falling victim to contractors who exploit the system for financial gain.
Roofing Scams and Red Flags
Roofing scams can be devastating for homeowners, resulting in financial loss, property damage, and emotional distress. It’s essential to be aware of the common roofing scams and red flags to protect yourself and your property. Understanding these scams can help you make informed decisions and avoid falling victim to unscrupulous roofing contractors.
Storm Chasers and Door-to-Door Scams
Storm chasers and door-to-door scams are two of the most common types of roofing scams. Storm chasers are roofing contractors who follow severe weather events, such as hurricanes, tornadoes, and hail storms, to take advantage of homeowners, and their insurance companies, who need immediate roof repair or replacement. These contractors often use high-pressure sales tactics to convince homeowners to sign a roofing contract on the spot, without providing a thorough inspection or estimate.
Door-to-door scams, on the other hand, involve roofing contractors who go door-to-door in neighborhoods, offering free roofing inspections or repairs. These contractors often use scare tactics to convince homeowners that their roof is damaged or in need of repair, when in fact, it may not be. They might claim to have noticed damage from the street or offer a “limited-time” deal to pressure you into quick decisions.
Public Adjuster Scams
Certain individuals acting as public adjusters may lock homeowners into contracts, then sell the job to the highest-bidding contractor—often resulting in rushed, subpar work.
Insurance Fraud
Some contractors may entice homeowners to commit insurance fraud by offering to waive deductibles or overreport costs. While this might seem like a deal, it’s illegal and can lead to significant legal consequences for both parties.
Warning Signs of a Roofing Scam
Here are some warning signs of a roofing scam:
- Unsolicited Offers: Be wary of roofing contractors who show up at your doorstep unsolicited, offering free inspections or repairs.
- High-Pressure Sales Tactics: If a contractor is pushing you to sign a contract on the spot, without providing a thorough inspection or estimate, it may be a scam.
- Lack of Licenses and Certifications: Make sure the contractor has the necessary licenses and certifications to operate in your state.
- No Physical Address: Be wary of contractors who only have a PO box or no physical address.
- No Online Presence: A reputable roofing contractor should have a professional website and online presence.
- Poor Online Reviews: Check online reviews from multiple sources to see if the contractor has a good reputation.
- Request for Payment Upfront: Be cautious of contractors who request payment upfront, without providing any work or services.
Tips to avoid falling victim to a roofing scam:
- Get Multiple Estimates: Get estimates from at least three reputable roofing contractors to compare prices and services.
- Check Licenses and Certifications: Make sure the contractor has the necessary licenses and certifications to operate in your state.
- Check Online Reviews: Check online reviews from multiple sources to see if the contractor has a good reputation.
- Ask for References: Ask for references from previous customers to see if the contractor has a good track record.
- Be Wary of Low-Ball Estimates: If an estimate is significantly lower than the others, it may be a scam.
By being aware of the common roofing scams and red flags, you can protect yourself and your property from unscrupulous contractors. Remember to always do your research and due diligence before hiring a roofing contractor.
How Fichtner Home Exteriors Stands Apart
At Fichtner Home Exteriors, we believe that respect and integrity should be the foundation of every project. As one of the reputable roofing companies, we prioritize transparency and integrity to ensure you receive the highest quality service. That’s why we follow these principles:
- We Never Knock on Your Door Unannounced: Unlike competitors, we don’t rely on aggressive door-to-door tactics. Instead, we work by appointment, ensuring you’re always in control of the process.
- Free, No-Obligation Estimates: We offer free, detailed estimates without pressure or obligation. This allows you to compare quotes confidently, knowing exactly what’s included in your roof replacement.
- A Commitment to Transparency: Our team provides clear, honest pricing—whether it’s an out-of-pocket quote or an insurance claim. You’ll never feel left in the dark about costs or options.
Making the Most of Insurance Claims
If your insurance covers a roof replacement, it’s an opportunity to invest in the best possible materials and installation. A high-quality roof not only adds value to your home but also provides peace of mind for years to come.
At Fichtner Home Exteriors, we are a roofing company that works closely with homeowners to ensure every roof we install meets the highest standards of craftsmanship, delivering exceptional results every time.
Ready to Replace Your Roof the Right Way?
The roofing industry’s focus on insurance claims has created opportunities—but also challenges—for homeowners. Protect yourself from aggressive sales tactics and unethical practices by choosing a contractor you can trust.
At Fichtner Home Exteriors, we’re committed to doing things the right way. From no-pressure consultations to top-tier workmanship, we always put your needs first.
Schedule your free estimate today and experience the difference integrity makes.
