Roof Repair Scams: 10 Red Flags Every Homeowner Should Know

When your roof is damaged—especially after a storm—you’re likely focused on fixing it fast. Unfortunately, dishonest contractors know this and often use the urgency to take advantage of homeowners. Roof repair scams are on the rise, costing Americans millions each year.

To help you stay protected, here are 10 red flags to watch out for when hiring someone to repair your roof.

1. Unsolicited Door-to-Door Offers

If someone knocks on your door offering a “free roof inspection,” be cautious. Scammers often canvass neighborhoods after storms, pretending to spot damage you can’t see

Tip: Always verify credentials and check online reviews before letting anyone on your roof.

2. High-Pressure Sales Tactics

Scammers often rush homeowners into signing contracts on the spot. They might say their offer is “only good today” or claim they’re “working nearby” and can give you a discount if you decide immediately.

Tip: Take your time. Reputable contractors will understand your need to compare quotes.

3. Demanding Full Payment Upfront

If a contractor asks for full payment—or even a large deposit—before doing any work, that’s a major red flag. Once they have your money, many simply disappear.

Tip: A reasonable down payment is okay (often 10–30%), but never pay in full until the job is done to your satisfaction.

4. No License or Insurance

A trustworthy roofing contractor should be licensed, bonded, and insured. Scammers often avoid these requirements and may even lie about having coverage.

Tip: Ask for proof of insurance and licensing—and verify them with your local licensing board.

5. No Written Estimate or Contract

If a contractor refuses to provide a written estimate or contract, walk away. Verbal agreements won’t protect you if something goes wrong.

Tip: Always get everything in writing—including materials used, timelines, and payment terms.

6. Suspiciously Low Bids

If one quote is dramatically lower than the rest, it could be too good to be true. Scammers often lure homeowners with low prices, then add surprise fees—or disappear with your deposit.

Tip: Compare multiple bids and be cautious of anything that seems unusually cheap.

7. Lack of Local References or Online Presence

A scam contractor might claim to be local but have no real presence—no website, no business address, and no online reviews.

Tip: Look for contractors with a proven track record in your area. Ask for references from recent jobs.

8. Damage You Didn’t Notice

If a contractor insists you have serious roof damage, but you’ve noticed no signs—get a second opinion. Some scammers have even been caught causing damage during inspections.

Tip: Hire an independent inspector if you’re unsure.

9. They Offer to “Waive” Your Insurance Deductible

Some scammers will say they can “take care of your deductible” by inflating the bill to your insurance company. This is insurance fraud—and you could be held responsible.

Tip: If it sounds shady, it probably is. Stick with honest contractors who follow the law.

10. No Physical Address or Company Info

If you can’t find a business address, phone number, or company info, chances are you’re dealing with a fly-by-night scammer.

Tip: Work with contractors who have a permanent business location and a long-term presence in your community.

Protect Yourself and Your Home

Your roof is one of your home’s most important defenses—don’t leave it in the hands of a scammer. When in doubt, get a second opinion, read reviews, and check references.

At Klinger Insurance Group, we care about more than just your policy—we care about protecting your entire home. If you ever have questions about roofing claims, storm damage, or finding trusted contractors, we’re here for you.