Protect Your Investment: How to Identify and Avoid Dishonest Roofers
- Steven Mitchell
- Jun 25
- 4 min read
Updated: Jul 15
As homeowners, we all want to protect our biggest investment. This usually means relying on professionals for repairs and maintenance. However, when it comes to roofing, there are some bad apples out there. To help you navigate this vital decision, here’s a step-by-step guide to identify and avoid a dishonest roofer. Remember, Homeowner's United provides options to contact our pre-vetted, trustworthy professional contractors. If you think your roof may need an inspection, our partners offer free, no-pressure inspections.
Step 1: Know the Difference Between a Legitimate Inspection and a Sketchy Inspection
After severe weather, reputable roofing companies often provide immediate inspections. This can be beneficial since early documentation of storm damage increases the chances of insurance approval. However, you must differentiate between a thorough, honest inspection and one that's intended to mislead you.
Legitimate Inspection
A reputable roofer will conduct a comprehensive inspection. They will likely take photos or videos of any damage they discover. They should clearly explain what they see, answer your questions, and focus on factual evidence. The goal is to inform you and provide reliable options.
Sketchy Inspection
Be cautious if a roofer rushes through the inspection. If they point to vague "damage" without providing clear evidence, that’s a red flag. They may employ scare tactics to stress the urgency of performing repairs. Watch out if they try to get you to sign an "assignment of benefits" (AOB) form right away. This form can give them control over your insurance claim and might pressure you into quick decision-making.
What to Do
If a roofer offers an inspection, welcome it! Ask them to clearly point out any damage along with explanations of its severity. If possible, take photos or videos of the inspection. Afterward, thank them for their time and inform them that you’ll gather multiple estimates and review 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 step is crucial. Never accept a quote without thoroughly reviewing the services and materials included.
Red Flag
Beware of estimates that are significantly lower than competitors or ones that lack detail. If an estimate simply states "replace roof" without further explanation, that tells you little about the quality of materials or specific repairs involved.
What to Do
Insist on a written, detailed estimate that comprises:
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 related to debris removal.
Warranty information (for both manufacturer and labor).
Step 3: Verify Licenses, Insurance, and Local References
A legitimate roofer will readily provide proof of their credentials. This not only protects you but also protects them.
Red Flag
Be cautious if a roofer hesitates to prove their insurance or licensing. If they claim that they don’t need it or ask for cash only with no paperwork, that's a serious warning sign.
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: Request proof of liability insurance and worker's compensation insurance. Contact their insurance provider to confirm that the policy is active and covers roofing work. This coverage protects you if a worker gets injured on your property or if there’s any damage during the job.
Ask for Local References: A reputable roofer should have a list of satisfied customers in your area. Call those references and inquire about their experiences.
Step 4: Understand Payment Structures and Avoid Large Upfront Payments
Dishonest contractors often demand a large percentage of the total cost upfront.
Red Flag
Be wary of roofers demanding very large down payments (more than 10-30% of the total project cost) before any work has started or those asking for full payment in cash.
What to Do
A standard payment schedule usually includes a deposit to cover materials, followed by a progress payment, and then the final payment upon project completion and your satisfaction with the work. Remember, never pay in full before the job is finished and you've had the opportunity to inspect it.
Step 5: Get Everything in Writing (and Read the Fine Print!)
A verbal agreement is nearly useless if issues arise. Every detail of the project should be documented in a written contract.
Red Flag
Be cautious if a roofer tries to rush you through the contract or suggests that certain details don’t need to be officially documented.
What to Do
Carefully read the entire contract before signing. Ensure it includes:
A complete scope of work.
Specific materials and brands.
Start and completion dates.
Payment schedule.
Warranty information.
Cleanup procedures.
Dispute resolution process.
Conclusion: Protect Your Investment
By following these steps, you'll be well-equipped to spot and avoid dishonest roofers. Remember, Homeowners United is dedicated to empowering you to protect, renovate, and elevate your home. It’s crucial to perform your due diligence and truly choose a roofer you can trust!
