If you want to know how to check if a roofing company has the necessary insurance, then you’re on the right track. Fraudulent roofing companies are notorious for employing high-pressure salespeople, imposing unrealistic timelines, and encouraging customers to shop around. Lastly, they don’t care about quality work. The key to finding a legitimate roofing company is to make sure that they have workers compensation insurance.
Roofing scams are especially common during the spring and summer storm seasons. Be wary of “free” roofing inspections offered by shady companies. Scammers use their state name plus the word “Roofing” or “Construction” to disguise their business name. You can also use the BBB Scam Tracker to look for scam reports. Be sure to check the business license number before letting a roofing company work on your home.
Authentic roofing companies never require a down payment for a job. Some scams try to “game” insurance companies. They may not disclose their out-of-pocket deductible or charge you higher premiums for insurance. If they insist on paying your insurance deductible but bill you higher than they bid, it’s a red flag. Make sure to find out if the company has ever been contacted by the insurance company to file a claim.
Do a quick online search. During the process of contacting a roofing company, conduct a simple search on Google. Oftentimes, scammers pretend to understand your needs and wants. However, scam roofing companies will send you a contract without all the details in it. These companies will try to convince you to trust their word because they can collect insurance payments through the site. Don’t fall for such schemes.
Legitimate roofing companies will have insurance and bonding documents. Be wary of companies that fail to provide proof of these documents. Ask for references and ask for the information you need to determine their level of responsibility. A responsible roofing company will also have a list of references. Call several of these references and ask as many questions as possible. Once you have the names and numbers of several people, you can be sure that you’re working with a legitimate company.
Another common scam tactic used by scammers is asking for upfront payment. Legitimate roofing companies ask for partial payment up front. However, a scammer will demand the full payment upfront because of equipment and materials. They won’t give you the full details of the contract. This is also a sign that the company isn’t trustworthy. If you’re not sure about their legitimacy, look for other signs.
Roofing companies that aren’t legitimate
Before you choose a roofing company, you must ask yourself how to check if a company is legit. Legitimate companies will not push you to buy their services until you’re ready. They’ll also provide you with enough time to decide on the services you want and need. Here are some tips to help you choose a reputable company. Read on to learn more about how to tell whether a roofing company is legit.
Make sure to check the company’s insurance. Roofing contractors are required to have liability insurance. Without this insurance, the roofer might cause a damage and leave you paying for it. You can always ask for proof of insurance and check whether the roofing contractor is a member of any industry associations. Also, ask for a list of completed projects. Roofing companies with these features are more likely to be legitimate.
Beware of online contractors. While some online roofing contractors may claim they serve the Fort Myers area, their headquarters are in another state. The area code (239) covers the entirety of Lee and Collier counties. Avoid companies with an unrecognizable prefix or area code. It’s best to stick with a local company. The BBB Scam Tracker receives reports of roofing scams. Many con artists use a state name plus “Roofing” or “Construction” in their business names.
Be wary of scammers who ask for a down payment before starting work. Legitimate roofing companies can perform the work without the money. Many scammers also try to play insurance. They might not mention that they need to submit an out-of-pocket deductible, or that the insurance premium is higher than the quoted price. If this happens, you have probably been scammed. So, check out the details of the roofing company before hiring them.
Do not sign any contracts with a roofing company unless you fully understand their terms and conditions. Legitimate companies will only ask for a partial payment up front, and they will collect the remainder of the payment when they’ve finished the job. Always pay with a credit card or debit card; you’ll be able to track payments easier. You can always contact the BBB to check on a company’s reputation and ensure you’re dealing with a legitimate roofing company.
Roofing companies that ask for full payment upfront
Roofing companies that ask for full payment upfront usually don’t have a legitimate business model. In fact, they are usually salespeople masquerading as roofers. These salesmen have been trained to take on insurance claims and refuse to provide written estimates. These middlemen are likely a poor reflection of their business practices and will do anything to get you to pay them upfront. However, if they insist on full payment up front, you need to run.
Never pay the entire amount upfront – this is a red flag. While some contractors may ask for a partial payment to cover supplies, full payment is always a bad idea. Roofing companies should never ask for full payment up front because you never know when you’ll have problems and you may not want to wait. You can also avoid scammers by checking their address, phone number, email, and business name. This will help you track down the worker, if needed.
Performing a 2-minute search on Google will let you determine what type of work the company does and how legitimate it is. If a roofing company has multiple websites and references, it’s probably a legit business. If you don’t trust Google, don’t do business with them. Roofing scams target elderly homeowners and people with limited resources. Therefore, you need to be extra cautious and watch for these scams.
Getting a roofer’s reputation is also important. Legitimate roofers won’t be shy about answering your questions. A good roofer will happily show you examples of their work. While legitimate roofing companies may not have any photos or addresses, they shouldn’t have any problem providing you with testimonials and references. If a roofing company wants full payment up front, it is not a legitimate business.
Roofing companies that don’t have workers comp insurance
There are several ways to check if a roofing contractor is legit, from the company’s license to their social media profiles. While these methods might be convenient and time-saving, they can also lead to a roofer scam. For instance, a contractor may be able to charge you a higher price than the competition, so it’s crucial to be extra careful when hiring a roofing contractor. Read the fine print carefully and have a knowledgeable friend read over the contract. Check for an assignment of benefits clause, which gives the contractor the right to deal with your insurance provider and waivers of the homeowner’s rights. While some legitimate roofing companies may have this policy, the majority do not.
If a company claims to have hundreds of satisfied customers, you may want to check their references. A legit roofing company should have numerous sources on the Internet that recognize them, including Google. The company’s online presence is a good sign, but don’t let it fool you. Listed references are the best way to find a legitimate company, as they are more likely to have a solid track record.
If a roofing company requests a large down payment, this is another sign of a scam. You should only pay up to 15% of the overall project cost if you hire a genuine roofer. Moreover, don’t be afraid to decline if you find any flaws in the estimate. You shouldn’t feel obligated to take the deal if it doesn’t include the down payment. A legitimate company will queue up for a contract and be transparent about their fees.
A legitimate roofing company should have multiple references, which they will be more than happy to provide. Also, a responsible company will have a list of references. It’s a good idea to contact several of these references, as this way you can understand how their service is. Inquire about the contractor’s behavior and find out what kind of warranty they provide. It’s always better to be safe than sorry.