How to Spot Roof Insurance Scams and Storm Chaser Roofing Companies After a Storm
Don’t Risk It With a Storm Chaser — Work With a Trusted Local Roofer
If your roof was damaged in a recent storm, don’t take chances with out-of-town contractors. Capitol Improvements is a licensed, insured, and BBB-accredited local roofing company with years of experience serving homeowners just like you. We offer free roof inspections, transparent estimates, and expert guidance every step of the way.
In this article:
How to Spot Roof Insurance Scams and Storm Chaser Roofing Companies in Wilmington, NC
Protect Your Home from Opportunists After the Storm
When a major storm rolls through Wilmington, NC, your first concern is naturally the safety of your home—especially your roof. But once the skies clear, a different kind of threat can appear at your door: storm chaser roofing companies. These opportunistic contractors often travel from disaster zone to disaster zone, targeting homeowners who are stressed, vulnerable, and eager to repair damage quickly. Scammers frequently target homeowners whose houses have visible roof damage, making it crucial for every homeowner to stay vigilant after a storm.
Unfortunately, storm chasers often do more harm than good—cutting corners, using inferior materials, and vanishing once the check clears. Some may unnecessarily tear off or replace shingles, or claim that entire roofs need replacement when only minor repairs are needed. Contractors may use low-quality materials to maximize profits, leaving homeowners with substandard repairs that may not last. This blog will teach you how to spot these predatory companies and ensure you’re working with a trusted, local professional.
🚨 What Is a Storm Chaser?
A storm chaser is not a weather enthusiast with a camera. In the roofing industry, storm chasers are out-of-town roofers who follow storms across the country, offering quick, cheap roof repairs to unsuspecting homeowners. These roofers often go door-to-door claiming to have noticed damage that needs immediate attention. Their business model is based on volume, not quality. They often perform rushed, substandard work and disappear before you can make a warranty claim or ask for repairs.
🔍 Red Flags to Watch For
1. Unsolicited Door Knocking
If someone knocks on your door out of the blue after a storm—especially within hours or days—be cautious. Reputable local contractors rarely go door-to-door without a prior appointment or referral.
2. No Local License or Permanent Address
Storm chasers often register a temporary phone number or rental office space to seem legitimate. But they don’t have a real business presence in the community. They won’t be around next year if your roof starts leaking.
✅ Tip: Verify a contractor’s license with the NC Licensing Board for General Contractors. Always check the contractor’s license number online to ensure it is valid and up-to-date.
3. No Proof of Insurance
Ask to see up-to-date general liability and workers’ compensation insurance. If a worker is injured on your property and the company isn’t insured, you could be liable.
4. No Manufacturer Certifications
Legitimate contractors work hard to become certified installers with manufacturers like GAF or Atlas Roofing. These certifications allow them to offer extended warranties—and hold them accountable to higher standards.
5. No Written Warranty or Contract
Storm chasers often make big promises with no paper trail. If they can’t show you a written warranty or detailed contract, walk away. A proper roofing contract should outline the scope of work, payment terms, and warranty details to protect both parties. Verbal promises won’t protect you later.
6. High-Pressure Sales Tactics
If someone is rushing you to sign a contract on the spot—especially before you’ve had a chance to file an insurance claim or compare quotes—that’s a red flag. High-pressure sales tactics are common among scammers, who aim to exploit your urgency and stress after a storm. Trustworthy contractors give you time to make an informed decision.
Be cautious if a contractor pressures you to provide a large down payment before work begins, as this is often a sign of a scam or untrustworthy business. Requiring full payment upfront before completing or starting a roofing job is a common roofing fraud tactic, leaving homeowners vulnerable if the contractor disappears without finishing the work.
📝 Understanding Project Details
When you’re considering hiring a roofing contractor, understanding the project details is your first line of defense against common roofing scams. A reputable roofing company will always provide a clear, written outline of the work to be performed. This should include the full scope of the project, a realistic timeline, and a transparent breakdown of all costs involved. Don’t be afraid to ask for specifics—knowing exactly what repairs are needed and how much they’ll cost helps you avoid shady contractors who might try to create damage or exaggerate the extent of repairs just to charge you more.
Before signing any contract, review the estimate carefully and make sure it covers licensing, insurance, and warranty information. A trustworthy contractor will be upfront about their credentials and happy to answer your questions. Remember, the more detailed the project outline, the more protected you are from roofing scams. Take your time, compare estimates, and never feel pressured to sign a contract before you’re comfortable with every detail.
🌐 Checking Online Reviews and Reputation
Doing your own research is essential when choosing a roofing company. Start by checking online reviews on trusted platforms like Google, Yelp, and the Better Business Bureau (BBB). Positive reviews and a strong online reputation are good indicators that you’re dealing with a reputable roofing contractor. Look for consistent feedback about quality roofing services, clear communication, and professionalism.
Be cautious of roofing companies with few or mostly negative reviews, or those that seem to pop up only after storms. Storm chasers often rely on door-to-door tactics and may offer free inspections to get their foot in the door, but lack a solid track record. A reputable business will have a transparent online presence, including testimonials, certifications, and proof of licensing. Don’t just take their word for it—verify their reputation and feel confident in your choice by doing your own research before hiring.
❓ Questions to Ask Your Roofer
Before you hire a roofing contractor, asking the right questions can help you avoid falling victim to a roofing scam or even unintentionally committing insurance fraud. Here are some key questions to ask any contractor:
- Are you a licensed and insured roofing contractor?
- Can you provide references and examples of previous roofing projects?
- What is the estimated cost of the project, and what does that price include?
- What is your payment schedule, and what forms of payment do you accept?
- Do you offer a warranty, and what exactly is covered?
- How will you protect my property during the roofing work, and what is your cleanup process?
- Can you provide a detailed written estimate and contract outlining the scope of work and all costs?
- How do you handle insurance claims, and will you work directly with my insurance company?
- What is your policy on large down payments or upfront payments?
- Can you provide references and previous work examples to assess the quality of your services?
By getting clear answers to these questions, you can feel confident that you’re hiring a reputable roofing contractor who will deliver quality work and protect your interests. Be aware that roofing contractors can commit insurance fraud by submitting two separate invoices: one to the homeowner and a higher one to the insurance company. If anything feels off, don’t hesitate to report your concerns to the Better Business Bureau or your insurance company. Protect yourself, your home, and your investment by staying informed and vigilant throughout your roofing project.
📋 How to Check a Roofing Company’s BBB Rating
The Better Business Bureau (BBB) is a trusted resource for evaluating the reputation of local businesses. The BBB helps consumers avoid scams and make informed decisions by providing information on business practices and complaint histories. Before hiring any roofer, especially after a storm, take a few minutes to check their BBB profile.
Here’s what to look for:
- BBB Rating (A+ to F): Look for companies with an A or A+ rating.
- Years in Business: Fly-by-night companies often have no track record. Companies with decades of experience are more likely to be reputable and trustworthy.
- Complaints: Read through complaints to see how (or if) the company resolved them.
- Accreditation: BBB-accredited businesses meet a higher standard of accountability and transparency.
You can search a company’s name and location directly at www.bbb.org.
🏡 Why Capitol Improvements Is Different
Capitol Improvements isn’t going anywhere—we’re a family-owned, community-rooted company with deep ties to Wilmington and surrounding areas. When storms hit, we’re already here. Unlike many roofing contractors who come and go after a storm, Capitol Improvements is a trusted local provider committed to long-term service and reliability.
Here’s what sets us apart:
- Certified GAF Roofing Contractor: We offer true lifetime warranties backed by North America’s largest roofing manufacturer.
- Licensed & Insured: Fully compliant with all North Carolina regulations—feel free to look us up.
- BBB Accredited & 5-Star Reviewed: Our BBB Certification reflects our commitment to integrity and long-term service.
- Local, Trained Crews: Our team isn’t subcontracted from out of state. We train to GAF standards our own professional installers.
- Transparent Estimates & Contracts: No surprises. No pushy sales. Just clear communication and a commitment to your satisfaction.
- Available Year-Round: Whether it’s six days or six years after the job, we’re still here to answer your call.
✅ Your 4-Step Checklist to Avoid Storm Chasers
- Search the company on the BBB website
- Verify their license at the NC Licensing Board
- Ask for proof of insurance and certifications
- Get a written estimate and warranty
- Inspect examples of previous work or ask for references to assess quality.
- Clarify payment terms and avoid paying in cash or before work begins to ensure you are properly protected.
- Be involved in filing your insurance claim and do not let contractors cover up important details or handle the process without your oversight.
🛑 Don’t Let a Storm Chaser Make Things Worse
After a storm, you’re already dealing with enough. Don’t let a fly-by-night roofing company turn a bad situation into a nightmare. Always be cautious with your money and avoid paying large sums upfront to unknown contractors. Be wary if someone offers a free inspection or free roof inspection, as these can be tactics used in roofing scams. Some contractors may try to involve you in schemes that commit insurance fraud, which can put you at legal risk. Trust your instincts, do your research, and work with a licensed, insured, and local roofer who will still be around long after the skies are clear. For any roof repair needs, contact a reputable local company to ensure you receive honest and professional service.
📞 Need Help After a Storm? Call Capitol Improvements
We’re proud to serve our Wilmington neighbors with expert roofing backed by integrity, transparency, and long-term support. Whether you need storm repairs or a full roof replacement, our team is ready to help.
📍 Locally Owned & Operated
✅ Licensed, Certified & BBB Accredited
🛠️ Free Inspections & Estimates
👉 Schedule your free estimate or call us today.