Roof people claiming Insurance will pay for a new roof?
 

I've had numerous people knock on the door claiming I can file a claim and get a new roof for for free. Is this for real? Will it increase my rates? Hurt my chances of my insurance being renewed?

This is a scam, yes your rates will go up.

Don't let them on your roof or you WILL need a new roof and You will pay for it

It's illegal for them to solicit anybody for a new roof. Who exactly are these crooks?


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nothings for free , beware.

Your insurer could drop you too.

OP, why not do it the correct way? If you have homeowner's insurance and you think your roof was damaged by a storm, call your insurance company and file a claim. They will send an adjuster to your house and determine if you are eligible for compensation. If you don't agree with the adjuster's decision, you can appeal it. That is the correct and honest way to do it. Why try to cheat and steal just to get a free roof? You will sleep better.

What do you think? Nothing is free.

It is a scam. It will increase everybody's rates.

Of course it wil, several insur went out of business due to extreme high volumes of these suits. Most of them didnt need roofs..sad,

That’s why you hear all that scuffing and banging when they shuffle along your roof with their hobnailed boots. Yeah, you need a new roof

Amen. Why be party to a fraud? Don’t perpetuate the dishonest practice being used by greedy roofers

Why wouldn’t you just call your insurance company and ask them versus a bunch of people on social media?
If you think your roof is in question, call a couple legitimate roof companies not somebody who goes door-to-door. And call your insurance company.

It’s a scam, read the Fl new insurance laws, NO you won’t get a new roof & YES you insurance will more likely increase

What kind of truck they driving, LOL

Excellent reply. If someone has to ask if something is a scam or will affect them negatively then obviously it’s not on the up and up. That’s just common sense. And it shows they’re willing to join in the scam if they can get away with it.

Don’t fall for the scams…Your first hint: People should not be knocking on your door
 

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You’ve been here fourteen years and you hadn’t heard? Several thousand homes here got “free” roofs because of this scam and their greed, and this is why lots of people are being told that if there home is more than ten years old, their homeowner’s insurance will be cancelled unless they get new roofs at their own expense. Most of the rest have seen their rates zoom, partly because of this and partly because of the hurricane damage in the state. For four of the past five years, home insurance companies in Florida haven’t turned a profit, despite raising rates. My insurance is “only” $1,600 a year, but if I have roofing problems, the repair will be pro-rated, meaning it will pay almost nothing (12 year old roof). I also now have a $16,000 deductible for hurricane damage.

If you let one of these companies examine your roof, they will almost certainly claim they found damage and you need a new roof, even if your roof is fine. Be honest and just say no. And start saving money to pay for your own roof replacement instead of asking the rest of it to pay for it for you out of our insurance premiums.

And the snide remarks continue. If you think asking here is bad strategy, why answer at all? lol!!

That’s a big assumption about the character of the OP. You know what assumptions do, right?

Simple question. Answer with simple respect. Better yet, answer as if you are standing with that person in real life.

Mike... The Florida roofing scam often involves contractors showing up after a major storm and offering homeowners a “free” roof replacement. Here’s how it usually goes down:

1. Initial Pitch: A contractor knocks on the door and tells the homeowner that their roof likely has damage from the storm and they can get a brand-new roof at no cost. They might even claim that insurance will fully cover it.

2. Fake Inspection: The contractor will "inspect" the roof and may even cause damage themselves or exaggerate any minor issues.

3. Assignment of Benefits (AOB): The contractor convinces the homeowner to sign an “Assignment of Benefits” form. This transfers the homeowner’s insurance rights to the contractor, allowing them to deal directly with the insurance company. In theory, this is supposed to streamline the process—but in practice, it’s often a setup for inflated claims.

4. Inflated Claims: The contractor then submits an inflated claim to the insurance company, sometimes charging for things that weren’t damaged or for unnecessary repairs. If the insurer rejects or questions the claim, the contractor (now with legal standing) might sue them.

5. Lawsuits and Increased Costs: The contractor may take legal action against the insurance company over the claim, which drives up costs. Florida had been notorious for the volume of these lawsuits, leading to higher premiums across the board as insurance companies tried to offset their losses.

Because of the rampant fraud, Florida passed several laws in recent years to crack down on the abuse of AOBs in roofing claims. Homeowners are now advised to be cautious, avoid signing an AOB, and directly involve their insurance company if they suspect storm damage.

You will get a new roof and we all will pay for it.

When we bought in 2021 the insurance company said they wouldn't insure us unless roof was under 10 years old. I saw several new roofs in the neighborhood, so I went and asked them how much they paid for theirs, and if they had heard of this 10 year rule. Not only hadn't they heard of the 10 year rule, but they couldn't say how much they paid because their roof was "free" after a guy in a truck had pulled up and asked them if they wanted a free roof. You could see the gears starting to turn and a lightbulb go off in both of our heads when we put two and two together.

Don’t let them on your roof. It’s a scam. If you feel you have damage contact your insurance company directly and a real inspector will be sent out.

Pretty sure that's insurance fraud, when a roofing company offers a "free roof" when it's clearly ok.I think that's a felony. Not sure why law enforcement isn't involved.
Kindof like the "Chase Free Money Hack"

No, don't let them on your roof, they will make sure you need one.....

I don't know if this has already been addressed to your satisfaction, but I will give you, my experience.
Someone in the neighborhood was having it done and then another and before I knew it so was I.
What I found out was that depending on your insurance policy determined what your out of pocket was going to be.
I have Farmer, who are dropping me next year because they are leaving Florida. my total was $500.
It was a very pleasant experience, the only thing I had to do was pick out the color of the shingle from the samples presented to me which they had already cleared that I could use, and the job was completed in 3 days.
There are some in the neighborhood who did not have it done and after the hurricane suffered damage and have tarps on their roofs.
Check with your insurance company and see what they cover.

Yes, it is a scam, yes, your rates will go up, and by the way so will ALL of ours... this just one reason is why Florida is in the insurance debacle we are paying for now.

My neighbor was getting his roof inspected, and they came to my door and offered the same free inspection. I told him that I did not want an inspection or his card. I don't know why people view insurance as their means to avoid paying for roof replacement. Insurance is available in the event of a catastrophe, and replacement of an aging roof should be out-of-pocket. I heard that insurance companies are going to drop insurance after 10 years for a 20-year roof. People who play the game only make things worse for everyone.

Free? Most will say that you only have to pay a deductible which will be much higher IF the damages occurred during a hurricane.

If you feel you have damages to your roof, report it to your insurance company.

Do not sign any contract with a roofer until after your house is inspected by your insurance company

Do not allow the "roofer" access to your roof.

roof scam!
 

Of course, this will increase your home ins premium as well as your ins.co. will share the info. with other ins. co....this may lead to deny you when you apply for another ins.co. I did learn a harsh lesson when the roofer unnecessarily replaced with new ones and my ins. paid 75% and increased my home ins. premium. Just recalled that Gov. DeSanito did sign a few years ago and makes a law that it s illegal for a roofer or roof investigator to discuss with a homeowner and he/she claims that the ins. will pay. Chas

Great response. Poster may not need a new roof and if roofer puts new roof poster might have to pay the high hurricane deductible.

Were you in the biz? HIt a home run with this response.

Check you gutters. If you don't have a lot of stones in your gutters very good chance there's nothing wrong with your roof. Very few home owners will go up and check their own roof. Go in your attic and look around your roof vents or skylights see IF you see water marks or staining. Can't see all these people needing new roofs. Supposed to be 15 or 20 year shingles. Check your contracts. These guys are making a killing in here.

Think about it, of course it will increase your rates, our rates too. But your rates will increase much more than ours. Then you will have a very hard time getting insurance from someone else. Insurance companies know when they’re being scammed and don’t want those scammers as clients. Would you?

New Roof
 

If they go on your Roof they will make damage and take a picture of it and the Insurance Company will deny your clam and do not sign anything there might a clause in there that if Denied You Will Pay The ROOF SCUM.

Ohiobuckeye
 

Nope not necessarily true they’ll be about $5,000. out of pocket. Now you know why the Insurance Companies aren’t broke. Check it out!!!

If you need a roof, then yes, your Ins. does pay for it. But I would NOT TRUST anybody knocking on your door. Call Insurance company. Here in Florida anyway. Tree fell on my roof during the hurricane, Inspector came out and confirm along with the roofing company that they do replace if needed. Don't know if my insurance will go up or not, but we did have water damage coming in our back rm. Good Luck.

Assignment of Benefits (AOB) by which a homeowner transfers his right to make a claim against his insurer, are now illegal in Florida. This, along with several other new laws, were part of the "reforms" enacted by the Legislature and signed by Governor DeSantis in 2023.

By eliminating AOB's as well as the automatic award of attorney's fees, the legislature has prevented the fraudulent activities of certain roofers and their unscrupulous attorneys in which a roofer would sign up the homeowner; take an AOB; replace the roof before the insurer even knew of the claim; and, file a lawsuit in which the roofer would be paid and the attorney receive a fee award that would exceed the amount awarded the roofer.

Since 2017, because of these fraudulent activities, ten homeowner insurance companies have been forced out of business in Florida, five alone in the worst year, 2022. Several multi-state insurers have pulled out of Florida or severely limited the number of policies they will write in Florida. Every homeowner's insurer in Florida has been forced to raise its premiums by significant amounts.

I'm confident that the reforms enacted by the Legislature will, eventually, restore order to the insurance market in Florida and reduce the premiums or, at least, reduce further increases in the premiums. Unfortunately, this will not happen overnight. For one thing, some of the reforms may not be retroactive, and there are still thousands of pending lawsuits brought by the roofers and their attorney's.

Plus, I assume every ones rates will go up a little because of this SCAM. They take advantage of disasters, that should be illegal. And an article warning people should be in the Daily Sun.