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“VILLAGERS: Know Insurance Fraud When You See It - Help Stop These Contractors Who Sell These Scams - Eventually, Our Premiums Will Triple and We Will Have Empty Homeowners Policies If You Hand Your Rights Over To Them - We Know You Are Smarter Than That (Attorney General Villages 2025)”

In recent years, the roofing industry has seen a significant surge in unethical practices aimed at exploiting homeowner’s insurance for roof replacements. Especially seniors who may not know any better. Some roofing contractors engage in fraudulent business practices by filing insurance claims for roof replacements that are obviously not necessary or for damage that doesn’t exist.

This trend has not only disrupted the normal operations of reputable roofing companies but also caused considerable financial strain on insurance companies and, ultimately, consumers. Let’s delve into the issue and understand why it’s happening, how it’s affecting everyone involved, and what the future might hold.

The Rise of Insurance Fraud Among Roofing Contractors

Over the past 5 to 7 years, some roofing companies have aggressively targeted homeowners here in The Villages, promising new roofs at the expense of their insurance policies - Then policy holders find out truly what the repercussions are after they surrender their rights (“Sally did it, I should too! - This is misleading information - Blind leading the blind).

These companies often canvass neighborhoods, knocking on doors and convincing homeowners that they can get their insurance to pay for a new roof, regardless of whether there’s legitimate storm damage. Folks, these people are “Wolfs in Sheep’s Clothing”.

True fact: This practice is illegal and Florida State fraud in the 3rd degree. Yet, it has become common for Villagers to fall prey to this words that “tickle the ears”, but have severe repercussions. Denials, attorneys, carrier loss, dropped Villagers, empty policies, higher premiums, etc.

Be cautious of contractors offering a free inspection with a drone, unattended inspections, insurance push solicitation, etc. - It can be a tactic to deceive homeowners into unnecessary repairs or insurance claims. If you suspect homeowners insurance fraud, you can report this to Seniors vs. Crime right here in The Villages.

In many cases, these unscrupulous roofing contractors fabricate damage to “try-to” secure insurance claims to line their pockets charging double. For instance, they might tug on a few shingles to simulate wind damage or reference outdated reports of past storms to justify their claims (They call this mechanization and manipulation). In Florida, several dozen roofing companies have been caught on video intentionally damaging roofs to potentially get insurance approval here in The Villages. Another tactic is to claim that the shingles are defective and/or discontinued, which is false and misleading.

While reputable companies like SkyLight Roofing Villages report storm damage on only about 3% of the roofs they inspect, some competitors claim damage on nearly “every roof” they assess. This is simply wrong. We always look out for our Villagers with “honest roof inspections” without any sales pressure, fraud, scams, or anything related to them.

In one case, a homeowner’s insurance company paid $25,000 to replace an entire roof due to five damaged shingles, which could have been repaired for $425. Soon after, they were dropped from their policy and became a liability to other carriers. To justify such high costs, unethical roofing companies falsely claim that the damaged shingles cannot be replaced due to issues like discontinued colors or new sizes of shingles and then replace the roof with low-end builder grade material. Again, they are looking to “line their own pockets”.

Homeowners should be highly cautious of contractors who offer to pay or waive the insurance deductible, as this is illegal in Florida and a clear red flag for insurance fraud.

The Insurance Industry’s Response to Insurance Claims

Rising Insurance Rates:

The rest of us are paying for these claims! There was roughly a 25% to 85% increase in FL homeowners’ insurance costs last year in the United States, said Mark Friedlander, spokesperson for the Insurance Information Institute, a nonprofit industry association. This is a direct response to the financial losses insurers are facing.Homeowners should check the Better Business Bureau, a valuable resource for reporting unethical behavior, for any complaints against roofing.

Withdrawal from High-Risk States:

Major insurance carriers are pulling out of states like South Carolina, Florida, California, Washington, Louisiana, Minnesota, and Colorado. The loss of these major players reduces competition, which is bad for consumers.

Mandatory Roof Replacements:

Some insurance companies are now requiring homeowners to replace their roofs as a condition for policy renewal. If the homeowner cannot afford to replace the roof, they risk losing their insurance coverage, putting them in a precarious financial position. We have seen this first hand from customers who were forced by their insurance carriers to replace their roofs before it needed to be done.

Increased Number of People Forgoing Insurance Policies:

Higher number of people foregoing insurance policies altogether. A recent study from the Insurance Information Institute found 18% of Americans no longer have home insurance, up from 5% in 2019 (USA Today).

The Path Forward

For homeowners, it’s crucial to be aware of these unethical practices and to choose roofing companies wisely. Look for reputable contractors with a proven track record, and be wary of those who promise new roofs at no cost through insurance. Check the legitimacy of a roofing company by reviewing their online presence and reviews.

Never sign paperwork with someone claiming they can get your roof replaced by insurance. Almost all local roofing firms can handle a storm damage issue for you, whether it be with your insurance or not. For the roofing industry, maintaining ethical standards and educating consumers about the dangers of insurance fraud is vital.

The crackdown by insurance companies is a necessary step to restore balance in the market and protect consumers from inflated costs and potential loss of coverage. Ensure that your roofing contract includes all essential details to avoid misunderstandings and potential fraud. By staying informed and vigilant, homeowners can make better decisions and avoid falling prey to unethical roofing practices. It is also important to get an itemized estimate of repair costs to protect yourself from fraudulent roofing contractors.

Choose a roofing contractor with a reputable history of integrity in business here in The Villages

The surge in insurance-related roofing scams has created significant challenges for both homeowners and reputable roofing companies over the last few years. While the insurance industry is slowly responding with stricter measures, it’s essential for consumers to be aware of these practices and to seek out trustworthy contractors. By doing so, we can help restore the balance and help our Villagers make more sound decisions so there are no repercussions.

#SkyLightRoofingVillages

At SkyLight Roofing Villages, we truly care about reputation, integrity, awareness, and always giving back to our communities. We feel that all of you are extended family — We want the best for each and every Villager.

Customer service delivered in an “honest and price-competitive” manner.

* Honest and upfront roofing answers
* Honest roofing inspections without touching (photos only) any of the roof surfaces.
* Fully licensed FL Local Roofer
* Best possible pricing and Platinum Install
* Voted Favorite Villages Roofer 2020-2025
* Cleanliness throughout entire Project
* Woman owned and Operated
* OSHA 10, No Subcontractors, W. Comp
* Driveways and Compressors Covered
* Same Day or Day Before Material Delivery
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* All licenses Displayed on All Vehicles
* County Permits always applied for with 3-Inspections on each installation.
* Photo and Video log on every install
* Everyone receives “Top Grade” Architectural Laminate Shingle with highest grade Synthetic Underlay (No Tier-Selling)

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