[Girlcopper]

Originally Posted by retiredguy123

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.

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.

[SkylightRoofing]

Originally Posted by mikempp

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?

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[MandoMan]

Originally Posted by mikempp

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?

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.

[SaucyJim]

Originally Posted by jparsoneau@aol.com

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.

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

[SaucyJim]

Originally Posted by Girlcopper

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.

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.

[ouicestmoi]

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.

[DarrenandKathy]

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

[sowtime444]

Originally Posted by MandoMan

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.

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.

[Shelbyh]

Originally Posted by mikempp

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?

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.

[bopat]

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"

[MrFlorida]

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

[Cuervo]

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.

[Safety Ranger]

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.

[opinionist]

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.

[kkingston57]

Originally Posted by mikempp

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?

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.