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Beware of Scams!



You've carefully inspected your roof and have decided you don't have any significant damage--at least not enough to surpass your $1,000 deductible.  Satisfied you won't have to file a claim, you sit down to enjoy dinner, only to hear the doorbell ring.  Two strangers are at the door, and a pickup sporting a metallic sign advertising an out-of-state construction contractor you've never heard of is parked in your driveway. 

One of the strangers advises they've just inspected your roof, and it's their professional opinion it's a total loss.  Furthermore, they tell you, while all the other contractors are charging so much per square foot to replace a roof, they will charge exactly half that amount IF you pay the entire balance in advance. 

Sound too good to be true?

It is!!

After a significant hail event, there is one thing you can be certain of:  con artists will make an appearance.  Before you ever sign a check to a contractor, please take the following steps:

*Notify your agent, or your insurance company.  Before you agree to any roof replacement, file a claim with your carrier.  An adjuster will then inspect your roof, determine the extent of damage, and settle your claim accordingly.  In most cases you can expect a settlement coming in two phases:  the first being an ACV (Actual Cash Value) payment (cost of new roof minus depreciation); then, upon satisfying your insurer replacement has been made, a follow-up check for the balance of your Replacement Cost (minus your deductible).

*Once the adjuster has signed off on your roof as a total loss, pick a local company with a proven reputation to perform the work.  If all the locals are swamped and won't be able to work on your roof for weeks, if not months, and you decide to hire an out-of-town contractor, do some homework!

*Is the contractor licensed?  Is he willing to give you referrals for other folks in town he has done work for?  Customers in other towns?  Can he show you proof of professional liability insurance?  If the answers to any of the above questions is "No," you need in turn to say "No!" to that contractor!

It's truly unfortunate that following a natural calamity there are those willing to take advantage of others' misfortunes.  Don't be a victim of a scam!  Be diligent, cautious, and thorough in your research.  As the old saying goes, "An ounce of prevention. . ."

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