free-roof-offer

Watch out for ‘free roof’ offers

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.

Too often, these offers are part of a fraud scheme by dishonest contractors who misrepresent wear-and-tear as storm damage or may actually damage the roof to create a fraudulent claim. The contractor then may pressure you to file an insurance claim and may even try to get you to sign over your claim rights to them.

Keep in mind that insurance only pays for covered damage. Maintenance of your roof is not covered by insurance. Also, you are responsible for paying any deductible that your policy requires. A deductible is the amount of money that an insured person must pay before the insurance company starts paying for covered expenses.

How to protect yourself:

Don’t trust unsolicited offers for roof repair, especially if the contractor mentions insurance.
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.
Be wary of contractors who are only interested in finding insurance-covered damage. A reputable contractor will tell you what repairs are needed and how much they cost, regardless of insurance.
Never sign a document that gives a contractor the right to handle your insurance claim. Only a licensed public adjuster can do that.

What to do if you suspect a scam:

Report suspected insurance fraud to the Maryland Insurance Administration’s Insurance Fraud Division.

Watch out for ‘free roof’ offers

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