Storm Chaser Roofers: 9 Red Flags and How to Vet a Contractor
How to spot storm-chasing roofing crews after a storm — and what a legitimate contractor's paperwork actually looks like.
Every major hail or wind event brings out-of-state crews knocking on doors within 48 hours. Some are legitimate. Most are not.
The 9 red flags
1. Out-of-state license plates on the truck.
2. 'Free roof' or 'no out-of-pocket' pitch (illegal in most states — you owe the deductible by law).
3. Asks you to sign an Assignment of Benefits (AOB) on the first visit.
4. Won't provide a physical local office address.
5. No general liability or workers' comp certificate in their name.
6. Claims to 'guarantee' insurance approval.
7. Pressures you to file a claim before inspecting.
8. Only takes cash or wants full payment upfront.
9. Not registered with your state contractor board or BBB.
What legitimate paperwork looks like
State contractor license number on the contract.
Physical local address and 5+ years of Google reviews.
COI (Certificate of Insurance) naming you as certificate holder.
Manufacturer certifications (GAF Master Elite, Owens Corning Platinum, CertainTeed SELECT ShingleMaster).
Written scope, written warranty, and a payment schedule tied to milestones — never 50%+ upfront.
Frequently Asked Questions
- What is an AOB and why is it dangerous?
- Assignment of Benefits transfers your right to negotiate and receive claim payment to the contractor. They can settle for less than fair, pocket the check, and leave you holding the deductible.
Pillar guide: Roof Insurance & Claims
Start with the complete homeowner playbook, then estimate your project with our free calculators.