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The Maryland Insurance Administration is reminding consumers to proceed with caution when approached by roofing contractors with unsolicited offers to inspect their roof for storm damage in order to generate an insurance claim - often occurring after reports of high winds or severe weather in a community.Some of these offers have been connected to the fraudulent practice of misrepresenting wear-and-tear as storm damage. In some cases, they may intentionally damage roofing materials, such as bending, lifting, or breaking shingles, to create the appearance of storm-related damage. The contractor may then pressure you to file an insurance claim and may even try to convince you to sign a document that gives them the right to manage or negotiate your insurance. Older homeowners may be especially vulnerable to these tactics and should consider consulting with a trusted family member, friend, or advisor before signing any documents or agreeing to roof repairs.If a contractor damages your roof, you may end up with two separate insurance claims - one for any legitimate storm damage and another for the contractor's intentional damage, which may be classified as vandalism. A vandalism claim could require additional investigation, including the filing of a police report, and may delay the handling of your insurance claims. In some cases, if the vandalized shingles can be repaired rather than replaced, you may be left with repaired areas that do not match the color or appearance of the rest of your roof.
Be cautious of unsolicited offers for roof repair. Reputable contractors do not seek business through unexpected sales visits.
Be wary of contractors who are only interested in finding insurance-covered damage. A trustworthy contractor will explain what repairs are needed and how much they cost, regardless of whether insurance coverage is available.
Never sign a document that gives a contractor the right to manage or negotiate your insurance claim. Only a licensed public adjuster is legally authorized to perform those services.
Check a contractor’s license and reputation before letting them work on your home. You can use the Maryland Home Improvement Commission’s online database to verify that they have a license.
The Better Business Bureau has a history of reviews online.
Keep in mind that insurance only pays for covered damage. Wear-and-tear is considered your responsibility. A deductible is the amount you must pay out of pocket before your insurance company pays its share of a covered claim.
For information on roof replacement insurance claims, visit our website here.
