How to Spot a Dishonest Roofer: A Step-by-Step Guide
- Steven Mitchell
- 3 days ago
- 4 min read
As homeowners, we all want to protect our biggest investment, and that often means relying on professionals for repairs and maintenance. But when it comes to roofing, there are some bad apples out there. Here's a step-by-step guide to help you identify and avoid a dishonest roofer. As always, Homeowner's United offers options to contact our pre-vetted, trustworthy, professional contractors. If you think your roof is due for an inspection, our partners offer free, no-pressure inspections.
Step 1: Know the Difference Between a Legitimate Inspection and Sketchy Inspection
After a significant weather event, some reputable roofing companies may offer immediate inspections. This can be beneficial as early documentation of storm damage can increase the chances of insurance approval. However, it's important to understand the difference between a thorough, honest inspection and one that's designed to mislead you.
Legitimate Inspection: A reputable roofer will conduct a comprehensive inspection, often taking photos or videos of any damage they find. They will explain what they're seeing clearly, answer your questions, and focus on factual evidence. Their goal is to inform you and provide options.
Sketchy Inspection: Be wary if a roofer rushes through the inspection, points to vague "damage" without clear evidence, or uses scare tactics to emphasize the urgency of repairs. They might try to get you to sign an "assignment of benefits" (AOB) form immediately, which can give them control over your insurance claim. They'll push for a quick signature and might discourage you from getting other opinions.
What to Do: If a roofer offers an inspection, welcome it! Ask them to clearly point out any damage they find and explain its severity. Take photos or videos if possible. After the inspection, thank them for their time and inform them you will be getting multiple estimates and reviewing all your options before making a decision. Never feel pressured to sign anything on the spot. A trustworthy roofer will respect your need to gather information.
Step 2: Always Review Your Estimates (and Make Sure They're Detailed!)
This is probably one of the most crucial steps. Never accept a quote you receive without a thorough review of the services and products used.
Red Flag: An estimate that is significantly lower than others, or one that is vague and lacks detail. It might just say "replace roof" with a price, which tells you nothing about the quality of materials or specific repairs.
What to Do: Insist on a written, detailed estimate that includes:
The type and brand of materials to be used (e.g., specific shingles, underlayment, flashing).
A breakdown of labor costs.
A clear timeline for the project.
Details on debris removal.
Warranty information (both manufacturer and labor).
Step 3: Verify Licenses, Insurance, and Local References
A legitimate roofer will have no problem providing proof of their credentials. This protects both you and them.
Red Flag: A roofer who is hesitant to provide proof of insurance or licensing, or claims they don't need it. Be especially wary if they ask for cash only with no paper trail.
What to Do:
Check for Licensing: Most states and municipalities require roofers to be licensed. Verify their license number with your local licensing board.
Verify Insurance: Ask for proof of liability insurance and worker's compensation insurance. Call their insurance provider to confirm the policy is active and covers roofing work. This protects you if a worker is injured on your property or if there's damage during the job.
Ask for Local References: A reputable roofer will have a list of satisfied customers in your area. Call those references and ask about their experience.
Step 4: Understand Payment Structures and Avoid Large Upfront Payments
A common tactic of dishonest contractors is to demand a large percentage of the total cost upfront.
Red Flag: A roofer who demands a very large down payment (more than 10-30% of the total project cost) before any work has begun, or asks for the full payment in cash.
What to Do: A standard payment schedule usually involves a deposit to cover materials, a progress payment, and then the final payment upon completion and your satisfaction with the work. Never pay in full before the job is done and you've had a chance to inspect it.
Step 5: Get Everything in Writing (and Read the Fine Print!)
A verbal agreement is almost useless if something goes wrong. Every detail of the project should be in a written contract.
Red Flag: A roofer who tries to rush you through the contract, or tells you that certain details aren't necessary to put in writing.
What to Do: Read the entire contract carefully before signing. Ensure it includes:
The complete scope of work.
Specific materials and brands.
Start and completion dates.
Payment schedule.
Warranty information.
Cleanup procedures.
Dispute resolution process.
By following these steps, you'll be well-equipped to spot and avoid dishonest roofers. Remember, Homeowners United is here to empower you to protect, renovate, and elevate your home. Don't hesitate to do your homework and choose a roofer you can trust!
